Can I get income protection if I go gliding as a hobby?

I’m thinking about taking out income protection to cover my outgoings if I can’t work, my main hobby outside of work is gliding. I can’t find any information on whether this is covered, it’s a fairly dangerous activity so i doubt it. Can you confirm?

Question asked by Stephen Luke
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Answered by Sam Carr

This would really depend on what type of gliding you would be participation in, is it hang-gliding, para-gliding or motorised gliding etc and also how often you would be going gliding.

Most insurers wouldn’t have an issue if you were to go hang gliding as a one off. But if it was a regular occurrence the insurer would then ask how often you would be going, if you were a member of a club, what type of licence you hold, what gliding qualifications you have, what proficiency rating you have and your number of flying hours per year. In some circumstances they would also ask if you participate in any stunt work or if you were attempting to break a record.

In most circumstances you would still be able to obtain an income protection policy, but with an exclusion for gliding, although, depending on the answers to the above questions, some insurers may be able to cover the gliding also. The best thing to do is speak to an adviser such as Drewberry and give them the information so they can speak to each insurer to obtain the best indication of terms available.

income protection
 
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extreme sport
 
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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