Life Insurance
BASE jumping is an exhilarating sport that is seen as risky by insurers. If you take part in BASE jumping, many insurers will need to know:
- What is the maximum height that you jump from?
- How often do you BASE jump?
- Do you BASE jump alone or do tandem BASE jumping?
- Do you BASE jump outside of the UK?
- Is BASE jumping your hobby or profession?
- Do you take part in competitions?
Lovers of BASE jumping will know that even with all the safety steps you take this activity is high risk. You will more than likely need to approach a specialist insurer for your life insurance.
The reasons that insurers can be nervous about offering life insurance is because if something goes wrong with your jump, it’s quite likely that you will be seriously injured or potentially die. Because of the dangers involved in having an injury, you may find that the insurer will offer you non-standard terms for life insurance. This means that the premium will be increased due to you taking part in BASE jumping. This doesn’t always mean silly prices, but it’s worth knowing that you might not be able to get the basic premiums.
You may find that some insurers will decline your application. This can sometimes happen in what are considered to be dangerous sports, countries, jobs etc. Insurers do ask about any high risk sports that you are doing and even if they don’t list BASE jumping in their questions, some will leave the question quite open for you to volunteer this information.
Our award winning advisers will make sure that you answer the insurers questions correctly and find the best life insurance to meet your needs
Critical Illness
Critical Illness Cover might be offered by a specialist insurer, but it could be more challenging to obtain if you’re BASE jumping. Many critical illness policies cover claims for total permanent disability, traumatic brain injuries, paralysis, and comas. Insurers consider BASE jumping to significantly increase your risk of these happening.
It is evident that this sport is considered risky, so specialist insurers may take certain measures to manage this risk. Premium increases or exclusions may be involved, it is important to be cautious about exclusions on this policy as they can be quite extensive.
Some insurers may reject your application for critical illness cover because of your BASE jumping.
Our expert advisers will help you find the ideal insurer and critical illness policy tailored to your needs and interests.
Income Protection
Income Protection may be provided with standard terms, but certain exclusions may apply to the policy regarding BASE jumping. A personal income protection policy with exclusions related to BASE jumping will be necessary. There are specific policies available that do not inquire about your BASE jumping activity, and we can assist you in assessing your eligibility for these.
Due to the risks associated with the sport, it is probable that your application will not be accepted by several income protection providers.
Our advisers will ensure that you receive the most favorable terms for income protection.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
