Can I get critical illness cover if I go gliding as a hobby?

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 hand gliding and para-gliding)?

Question asked by Chris Lakeland
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Victoria Slade

What additional information the insurers will require

Whether you can get critical illness cover or not, and if so on what terms, will depend on the capacity in which you glide. If it is a micro-lite or powered glider – though 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 para-gliding/hand-gliding the same principle would usually apply. For hand-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).

The ‘exclusion’ would be based upon any gliding/aviation sports etc –if gliding is attributed or related to any claims under a critical illness plan (i.e. loss of limbs/paralysis) – it will not pay out.

Get expert advice

Please give us a call and we can research the market on your behalf to see which critical illness insurers are likely to offer cover, and if so on what terms.

critical illness insurance
 
gliding
 
exclusion
 
hazardous pursuit
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I’ve recently had cancer and although I’m now in remission it’s made me think about...
 
I go Skiing several times per year and wondered if this would be included if i’m to take out a...
 
I do lots of overseas travelling for both business and vacation. I’ve started looking at insurances...
 
I’m thinking about taking our Critical Illness insurance for some time and have just taking our...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Kevin Ballinger
29/11/2018

Excellent service. Well documented and prompt meetings arranged, with polite reminders. Good, clear advice and excellent product choice for me. Very pleased and highly recommended.

Kylee Kelly
22/11/2018

Jake and Jack and Drewberry were excellent and I would definitely use their services again. We purchased life insurance from them and we are now getting them to look into income protection cover for us. They are very knowledgeable and the set up was a breeze.

Priyadharshini Westphal
25/11/2018

Really personalised service. Would definitely recommend. Very helpful and not pushy. Oliver was through and lovely to speak to.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1920 Reviews
D Coyle
Overall Rating
Fantastic service from Egle, knowledgeable and patient about a variety of policies. Egle helped me get the best deal available and I am very satisfied with the professional service that I received from her and Jack.
S Redmond
Overall Rating
Sarah was totally professional, not at all pushy which I liked, but went over every detail to make sure I knew about the policy and to make sure it was the right policy for me. Would totally recommend Sarah. Regards Siobhan
A Allen
Overall Rating
Sarah Melvin at Drewberry helped me get a good deal on my income protection. She was very patient, helpful and professional. I feel if I had any problems I could contact her. Thank you and I would definitely recommend Drewberry.
B o'connor
Overall Rating
Very helpfully and found me the right cover that suited me and my cost of what I wanted to pay. Diffenatly use him again
G O'Grady
Overall Rating
Emma Wilson @ Drewberry was fantastic providing a simple and seemless service from quote through to contracts. Would recommend without hesitation.