Does life insurance cover skiing?

I’m getting quotes for life insurance and don’t know if skiing is included in the cover and would it pay out if i was to have an accident on the slopes? I can’t find much information about this online. Can you help?

Question asked by Rebecca Smith
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Answered by James Rivers

How the insurers view extreme sports such as skiing

This is a very common question and there is often confusion as to whether a life insurance policy would pay out as a result of a skiing accident. For most people the extent of their skiing is solely for holiday purposes, maybe once or twice per year, and ‘on-piste’. If you fall within this category then there are certainly insurers on the market who will include skiing within the cover as standard.

How often and where you ski is important

If however you are skiing more regularly, maybe at a competitive level or in more dangerous locations (possibly ‘off-piste’), you could expect a different outcome, depending on the insurer. For anyone involved in this level of skiing you could be charged an additional premium, or may even have skiing excluded from cover.

Insurers will asses each situation and offer the best terms they are able to provide, but not all insurers will come to the same conclusion.

Seek advice

An adviser will be able to review the market for you based on your specific circumstances and ensure you get the best terms available.

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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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