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
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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.

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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.
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