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Risk Hobbies and Life Insurance

Risky hobbies, higher premiums

Motorcross rider

Whilst thrill-seeking can be fun for the person involved, it might not seem such a laugh when it comes to getting life insurance cover.

Insurers tend to charge much higher monthly premiums for those who they consider a high risk (or impaired) because of their lifestyles.

For example, a stamp collector is statistically likely to live longer than someone who regularly skydives. This means they will pay more for their policy cover because, from an insurers perspective, a claim is more likely.

Which hobbies are considered high risk by insurers?

If you take part in extreme sports, such as base jumping or hang gliding, you probably already know that you’ll be on the risk list.

However, some more innocuous activities, such as surfing, can also attract a higher premium. Just some of the activities which are classed as high-risk hobbies by insurers include:

Skydiving couple



Girl deep sea diving

From the sky:

Outdoor pursuits:

If you take part in hobbies which could put you in the high-risk category, it is a good idea to compare multiple quotes as some insurers will penalise you more than others.

At Reassured we can save you time and money by comparing a wider range of UK insurers on your behalf – at no cost to you.

Remember, the job you do may also class you as a high risk, again resulting in paying higher monthly premiums.

We’re never beaten on price, and will ensure you don’t pay over the odds for your life insurance, even if you do choose to spend your weekends being a daredevil!

Why use Reassured to help you compare life insurance quotes?

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