When you apply for Life Insurance, skydiving applications will need to detail how regularly you perform the activity in a given year and may also require details of any qualifications you hold and where you do the jumps (UK or abroad). Skydivers Life Insurance applications can be accepted at normal terms if the amount of jumps conducted in a year is less than 30. There are some specialist insurers who will consider Life Insurance for parachute jumpers, if the number of jumps is less than 50 a year. Where the frequency of sky diving is higher than this, it is possible that your policy may be subject to a premium loading.
Critical Illness Insurance for skydivers is treat by many insurers in the same way as Life Insurance applications. The insurer will want to know the frequency of the dives and provided that this is less than 30 jumps per year, it is likely that favourable terms will be offered. Where skydivers Critical Illness Insurance applications detail jumps of more than 50 per year it is probable that a premium loading may be applied to the policy. Applications for parachuters may be subject to a Total Permanent Disability exclusion but this is a relatively small aspect of the policy and should not deter you from considering the cover. Of course you should discuss this with a financial adviser before taking cover so you understand what cover you are being offered.
Income Protection for skydivers can be available at standard terms. The insurer you approach will want to know how often you jump and whether it is for business or leisure. If you have had multiple injuries due to your skydiving activity, you may need to place your application with a specialist insurer.
Planning on skydiving while you are on holiday? Make sure that you have the right travel insurance in place, find out more here.
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Summary definition
Skydiving involves a jump from an aircraft, often between 1,000 to 4,000 metres, back towards the earth with the use of a parachute to control the fall. The skydiver will then use the parachute canopy to control their descent until they reach a safe landing location.
Parachuting or Skydiving can involve freefalls, it can be done solo or as a tandem and can be done as a formation dive. There are also more dangerous activites such as base jumping and wing suit flying.
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