Does life insurance cover surfing?

I’m looking at Life Insurance but i also life to partake in extreme sports, mainly surfing. Would that be covered under my policy?

Question asked by Rebecca Firth
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Answered by Michael Englefield

The type of surfing you do might have an impact on a Life Insurance application

Hazardous pursuits and past times need to be considered when taking out life insurance.

Insurers are usually happy to cover surfing and similar activities and hobbies. For example, if you are surfing at the local beach, or surfing for a sports club then you will generally be covered. Take the scenario that you are surfing at your local beach and have an accident whilst doing this; you will normally be fully covered if you unfortunately passed away.

If you are surfing in a competitive or extreme capacity or off UK shores, many insurers will ask further questions relating to this. For example, if you are surfing big waves in Portugal, for example, insurers might start getting nervous. Also, insures are unlikely to cover you if you surf on a paid professional or paid semi professional basis.

Get in contact to speak with an expert

The best thing to do is to speak to one of our independent protection advisers who can take down some details about your surfing, call various life insurers on your behalf and let you know which insurer would offer you the best terms (there is no fee for this service).

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extreme sports
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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