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Life cover for dangerous activities
If you take part in a hazardous pastime or enjoy a dangerous hobby such as such as rock climbing, scuba diving or caving, you may find certain types of insurance difficult to obtain, including life insurance for extreme sports, income protection insurance, permanent health insurance and mortgage protection insurance. If your dangerous pursuit or hobby is regarded as a higher insurance risk, you may be asked to pay a slightly higher premium than somebody who does not take part in these pastimes, due to the increased risk of injury leading to potential time off work or even premature death.
Hobbies such as gliding, private flying, skiing, yacht racing, hang gliding, paragliding and parachuting may also attract closer scrutiny from an insurance company.
It is unlikely that either a hazardous pastime or occupation would universally exclude you, although some companies may not wish to offer cover.
"I'd heard about QuoteRack from the BHPA and despite being a keen hang glider I got a great quote for life cover"
QuoteRack's experience shows that not all life companies are equal when it comes to providing for life insurance quotes, particularly if you have had some health problems, you work in a dangerous industry or you have a taste for extreme sports.
You could apply to all the companies, one at a time and see who will accept you with the least premium loading (if they accept you at all). Using QuoteRack, however, we submit your details to a team of specialist underwriters who have the knowledge and experience to apply to the most appropriate life company for your particular needs.
As QuoteRack's IFA’s are specialists, they are well-versed in the realistic degrees of risk involved in extreme sports and other hazardous hobbies and occupations. Therefore, you are much more likely to get a properly calculated assessment of the cover you require, and a reasonable quote.
Links related to Dangerous Hobbies
The British Hang Gliding and Paragliding Association (BHPA)
The BHPA's website is a must-visit for hang gliding and paragliding enthusiasts.
The Outdoor Directory
Adventure Activities, Caving, Climbing, Rafting, Walking, Trekking - full details are available from The Outdoor Directory
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"I have a private pilot's licence and hadn't realised that my hobby was a factor when obtaining insurance quotes for life cover."