Water sports as a recreational activity will often not affect a Life Insurance application that you make. Many insurance companies will not need to know about your water sport hobbies other than diving and sailing when it comes to Life Insurance. Sailing often has no impact and neither does occasional diving. If diving involves deep dives, cave dives or wreck dives then you are likely to see the cost of cover increase.
As with Life Insurance many hobbies such as surfing and jet-skiing are unlikely to cause any concern for insurance companies when offering Critical Illness Cover for water sports. Additionally, occasional sailing and scuba diving will normally be accepted at standard terms. If you regularly do trans-ocean sailing, competitions or regularly scuba dive then you may see some insurance companies offer cover with an exclusion for your activities. In order to establish the available terms the insurer will consider the location of your sport, experience and qualifications, and where applicable the speed of vehicle, maximum underwater depth and group or solo activities.
Income Protection when you take part in water sports likely to be accepted at standard terms, provided that you have not had multiple injuries from the sport in the past. Insurers will want to know what sport you do, how often you do it, if you are in a group or solo, and if you will take part in competitive events.
Whether you are diving, canoeing or sailing it is important that you have the right travel insurance in place. We have teamed up with a specialist travel insurance broker who can help you get the cover you need.Find out more here.
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Water sports can be classed as a hazardous pastime by insurance providers if you take part in them regularly or in any kind of competitions. If you are unsure you should check with an insurance adviser to see if you need to provide details of you activities.
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