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Update

Recent underwriting changes now mean that some sky divers will be able to secure Income Protection with a premium increase rather than an exclusion. This will be dependent in part upon the number of dives that are conducted each year.

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Life Insurance

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.

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Critical Illness Cover

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.

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Income Protection

Income Protection for skydivers will often result in an exclusion for your skydives, if you skydive as a hobby (one off jumps do not count). This can often be the best option for people as it means they do not have to pay extra for their cover. If you only perform one off jumps then you should get your cover at normal terms with no exclusion.

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If you are a frequent skydiver and you wish to have cover for your activities you should be able to achieve this through a combination of Accident/Sickness Cover and Income Protection. If the right providers are chosen this could provide you with 12 months cover for your skydiving activities and then from 12 months until retirement with the exclusion. If you would like to see some options for this, why not call us 0800 567 7450.

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research