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Extremely Unusual Conditions 664132 1280

Life Insurance And Extreme Activities Don’t Mix

The premise of insurance is to give you peace of mind. One of them being that when you are gone, your loved ones will be well taken care of. However, there are some death-defying activities and extreme sports that give insurers the jitters and make you ‘untouchable’ in terms of getting a policy from them. This sounds a bit impractical but insurance has a completely different view of you if you seem to be knowingly putting yourself in harm’s way.

You may be wondering which extreme sports and activities these are that could send cold chills down your insurers’ backs. Here is a list, and although it’s not conclusive, it should give you a pretty good picture of what to steer clear of if you want to take out a cheap insurance policy.

  1. Bungee jumping

This is a high risk, high adrenaline activity which involves jumping off a very high altitude such as a bridge or cliff. The rope stops short reaching the ground and jerks the jumper up and down a couple of times. Injuries associated with this activity range from broken limbs and even death in the event the rope breaks. These are, however, very sparse. Despite the statistics, every insurer shudders at the probability of an accident happening some day.

  1. Free climbing

Free climbing is a sport for adrenaline junkies. It involves climbing rocks with no safety harness. Experienced free climbers scale great heights posing a great danger to themselves if they fall down a cliff face. Most falls result in fatalities or life-altering injuries.

  1. Base jumping

This is an activity where an individual in a special suit jumps off a high cliff and glides at extremely high speeds. This sport is touted to be more dangerous than skydiving because of the lower altitudes the jumps are made at. Injuries range from life-altering to fatal.

  1. Big wave surfing

Big wave surfing differs from ordinary surfing because the boards are bigger and the surfer aims to catch the wave at the bottom. The speeds involved are very high. And of course, the bigger waves are found in deeper water. The chances of drowning and injury are multiplied in this case.

  1. Motor cross or motorcycle racing

Adrenaline junkies know the thrill that comes with riding a superbike at top speeds, and so does your insurer. The danger of getting injured while racing on a motorbike is amplified when compared to motor vehicle racing due to the exposed nature of riding. The injuries that are sustained in the event of an accident are mostly life-altering or even fatal.


It is now obvious to see why your insurer will hesitate about insuring you if you usually participate in any of these extreme sports. If you begin taking part in any of these or other extreme sports, make sure to inform your insurance company. In most cases, you will not lose your cover but your premiums may go higher due to the life-threatening activities you are taking on.

For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

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The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487