Skydiving life insurance, critical illness cover and income protection experts
We are a dedicated team of specialists experienced in assisting individuals involved in extreme sports or high-risk hobbies, including those seeking life insurance, critical illness coverage, and income protection for skydiving. Any sports involving any form of aviation or extreme heights such as parachuting would require additional underwriting for life insurance, critical illness cover or income protection due to the additional risks involved. We find that most applications we see for Parachuting & SkyDiving life insurance, critical illness cover and income protection are offered at anything from standard rates with no exclusions up to slightly increased premiums and some exclusions.
If you take part in an extreme sport such as Parachuting & Skydiving and you need to consider life insurance, critical illness cover or income protection then you should make sure that you have all the information you need. It is important to consider all of your options to ensure that you get the right cover to protect yourself, your family and your home in case anything happens to you.
Types of Parachuting & Skydiving:
- Tandem Skydiving
- Fixed Line Skydiving
- Skydiving instructor
- Base Jumping
- Professional Skydiving (Displays)
- Freestyle Skydiving
- Wing Suit Flying
More about Skydiving life insurance
For individuals engaged in parachuting or skydiving activities seeking life insurance, those who jump a few times a year for recreational purposes are typically accepted at standard rates. Additional premium loading for specialist life insurance may apply if a person participates in a higher frequency of jumps or is involved in professional activities, such as instructing. The main factors taken into account when underwriting skydiving insurance coverage include:
- How many jumps per year on average
- Where do you go to sky dive
- What type of skydiving do you do
Some other standard factors which would be taken in to account to determine the cost of your Parachuting & Skydiving life insurance are:
- How much cover you need (sum assured)
- Length of your policy (years)
- Which type of life insurance cover
For more information about Parachuting & Skydiving life insurance you should contact one of our insurance advisers who will help you to find the cover you need. Alternatively, you can visit our Skydive insurance FAQS page here to find out more.
Skydiving critical illness cover
It may also be possible to get Skydiving critical illness cover with no exclusions and at the insurers standard rates where the number of jumps are below a certain number and non-professional. If you take part in a larger number of jumps per year then you may find that there could be some additional premium loadings or you may find that certain policy exclusions may be applied.
Possible exclusions for Skydiving critical illness cover are:
- Any injury or health issues connected to Skydiving
- Total and Permanent Disability
Premiums you will pay for Skydiving critical illness cover will also depend on other standard criteria which include whether you smoke, your general health and any other medical conditions.
Skydiving income protection
It is also very possible to get Parachuting & Skydiving income protection cover which can often be offered at standard rates for most recreational sky divers. If you take part in more regular activities then you may find that premiums are slightly increased as well as possible policy exclusions. Insurance underwriters will also want to know whether you have had to take much time off work in recent times.
Overview of Skydiving life insurance, critical illness cover and income protection
For advice on life insurance, critical illness coverage, and income protection related to parachuting and skydiving, or to obtain a quote, please reach out to one of our expert advisors who are ready to assist you.
Get a no-obligation quoteDo I need life insurance cover for skydiving?
If you take part in a hazardous sport such as Skydiving you should consider life insurance, critical illness and income protection. It is always important to consider all options to ensure that you have the right cover to protect yourself, your family and your home in case anything happens to you.
How safe is skydiving?
Whether you are taking part in a sky dive for charity, or participate in it regularly, you might be interested in learning how safe it is. Statistics show that in 2020, The USPA recorded just 11 skydiving deaths out of 2.8 million who jumped — a fatality rate of only 0.39 per 100,000 jumps. Even in 2019, only 15 lost their lives out of the 3.3 million who jumped. Considering the nature of the sport, these stats demonstrate that it is relatively safe.
What are the risks of skydiving?
More often than not, skydiving accidents are caused by simple human error or parachute malfunction. Human error tends to occur in sky diving when an experienced diver pushes limits or makes an error of judgment. Common injuries include sprains or broken ankles which tend to be sustained on landing as a result of the diver not lifting their feet up from the ground upon landing.