Do Life Insurers Cover Extreme Sports?
Yes, life insurance can include extreme sports, but approval is typically determined individually. Standard sports such as football, cricket, basketball, and netball are generally covered at normal rates as long as you’re not a professional athlete. Extreme sports present higher risks, so insurers may add exclusions, increase premiums, or sometimes decline coverage based on your specific circumstances.
Risk assessment is the main consideration. Insurers will look at how frequently you take part, whether you compete, and if you have any training or certifications. A single bungee jump might have no impact on your policy, but competitive MMA or deep scuba diving is more likely to influence your cover.
