People who take part in so called higher risk sports and hobbies are quite obviously considered a greater life insurance risk and are often subject to some exclusions and higher premiums. What's more, the definitions can differ from one life insurance provider to another so it is worth talking to our team to find your best option.

Ask us for a no obligation life insurance, critical illness or income protection quotation by pressing the green button above or clicking through on the link at the bottom of this page and we will get an expert in touch with you as soon as we can..

If you do participate in certain activities there is a good chance, however, that a life insurance provider will ask for more detailed information when assessing your life insurance application. Activities defined as 'dangerous' in terms of life insurance are detailed below, together with the normal information that you may be asked for by insurers:

Aviation

• Do you fly for business and/or pleasure?

• How many hours have you flown in total, and in the last 12 months?

• How many hours do you anticipate flying in the next 12 months?

• What type of aircraft do you fly?

• Where do you fly? (within UK, Europe for example)

• Do you participate in any high-risk flying? (i.e. testing, low-level, aerobatics)

• Are there any anticipated changes to your flying patterns in the next 12 months?

Climbing

• Are you a member of or affiliated to The British Mountaineering Council?

• How many years have you been climbing?

• How many climbs do you make per year?

• What is the maximum height you've climbed?

• Where do you climb? (UK, Europe etc)

• What type of terrain do you climb on? (ice, rock etc)

• Are there any anticipated changes to your climbing patterns in the next 12 months?

Diving

• Do you have a BSAC or PADI qualification?

• How many dives did you make in the last 12 months?

• What was the average depth of a typical dive?

• What was the maximum depth you dived?

• Where do you dive? (coast, lakes, outside UK etc)

• Do you do any 'higher-risk' diving? (wreck diving, mixed gases etc)

Motorsport

• What type of vehicle do you drive? (engine size, class etc)

• How many races did you compete in over the last 12 months?

• How many races do you anticipate competing in over the next 12 months?

• Where do you race? (UK, Europe etc)

• Are there any anticipated changes to your racing patterns in the next 12 months?

Parachuting

• How many jumps have you made in total?

• How many jumps do you anticipate making in the next 12 months?

• What type of jumps do you make? (freefall, static line etc)

• Are you a member of a club?

• Are you a member of a display team?

• Are there any anticipated changes to your parachuting patterns in the next 12 months?

Other Sports and Activities

There are many other sports and activities that may mean you find that your premium is either loaded (i.e. set at a higher rate than it would be if you did not partake in it). But that's where we can help.

Fortunately our life insurance partners are experts in knowing the insurance companies that better understand the risks involved in certain activities and therefore are happier to provide cover at more affordable rates.

How to get a Life Insurance Quotation Covering a High Risk Activity

Complete our online form by clicking the button above or on the link below and we will get the ball rolling now! Our team will be delighted to arrange a callback, have a chat (totally fee and obligation free) and discuss your options. We can also arrange this via our online webchat service.

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Our expert partner, LifeSearch, are one of the UK's largest life assurance brokers who have been providing their services for over 25 years now. They can offer cover from a number of companies including Aviva, AIG, British Friendly, Legal & General, LV=, Royal London,The Exeter, Guardian, Vitality, Cirencester, Scottish Widows,National Friendly, Holloway, Shepherds Friendly and Zurich. They are, just like MoneyMaxim, regulated and authorised by the FCA, and guarantee to give you the most competitive premium they can which fits your needs fee free and without obligation.

This content was last reviewed on 26/06/2023