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.
Frequently Asked Critical Illness Insurance Questions
Sam was knowledgeable and attentive and spent a long time explaining and working out what Income Protection insurance would be best for me.
I researched Drewberry to make sure they would be likely to add value to the confusing process of finding suitable insurance – and they delivered completely; I was very impressed and feel like they added real value in terms of consultation and guidance. Would recommend without hesitation.
Will is fantastic went through everything in detail really helpful and ultimately ensured that I went with the best product for my circumstances. Thanks!