I’m looking at Life Insurance but I also like to partake in extreme sports, mainly surfing. Would that be covered under my policy?
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, insurers might start getting nervous. Also, insures are unlikely to cover you if you surf on a paid professional or paid semi-professional basis.
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).
Drew was incredibly helpful all the way along and very responsive and patient with any questions I had (which were many). He was able to get me a much better deal on my new health insurance than I had been able to get online. A success all round!