Difference Between Personal Accident Insurance and Critical Illness Cover
Question asked by Matt Thomas
I’m looking at taking out Critical Illness Cover and wanted to double check that I could be covered even with a potentially dangerous hobby such as gliding (I do both hang-gliding and paragliding)?
Whether you can get Critical Illness Cover or not, and if so on what terms, will depend on the capacity in which you glide, such as if it is a micro-lite or powered glider. While a one-off is usually fine (this would be standard terms), anything more than that, like a hobby, would usually attract an ‘exclusion’.
This will be based on you having at least 3 years experience, doing less than 50 hours per year and not participating in any racing, record attempts or testing etc.
Insurers may also wish to conduct a telephone interview with you to determine the capacity in which you are taking part. In essence, it will usually be excluded unless it is a one-off ‘experience’.
With paragliding / hang-gliding the same principle would usually apply. For hang-gliding an insurer may ask you about a proficiency rating (if beginner, novice, pilot etc).
Again if you do 50 hours or less per year and have never had an accident, it would normally just be excluded (as opposed to the insurer declining to offer cover altogether).
Please give us a call on 02084327333 and we can research the market on your behalf to see which providers are likely to offer cover, and if so on what terms.