Hazardous Pursuits

Protect your clients further against hazardous hobbies and pastimes.

0333 014 6244

What is Hazardous Pursuits cover?

We understand how important it is for you to get your clients covered, and their hobbies shouldn’t stop them from getting the protection they need.

Our Income Protection and Accident Only Income Protection includes cover for some leisure activities as standard. But we also offer your clients the option to pay extra to cover an enhanced list of what we call ‘Hazardous Pursuits’.

Hobbies and pastimes categorised as hazardous pursuits include activities such as Bouldering and Motor Sports. You can view the full list below.

A smarter way to cover Hazardous Pursuits

We’ve refined our Hazardous Pursuits cover for Accident Only Income Protection and Income Protection policies — making it fairer, simpler, and easier to understand.

What's new?

  • Clear eligibility rules: Amateur participants are now covered as standard.
  • More inclusive team sports cover: Rugby, American football, and more, are now covered under our standard terms - even for fracture claims.
  • Simplified martial arts and combat sports cover: Training is covered as standard. Amateur bouts are covered but require enhanced cover.
  • Straightforward guidance: It’s now crystal clear what’s covered, what's not, and when enhanced cover is needed.

Why it matters

Our updated approach means faster, simpler underwriting, with fewer questions, no delays for assessments and a smoother experience for you and your clients.

We continue to lead the market with one of the simplest hazardous pursuits policies, offering standard cover for activities like aviation and diving (up to 50 metres), and now even offering fracture cover for contact sports.

Explore our full updated list here or contact us if you have any questions.

How we treat Hazardous Pursuits

This list applies where the pursuits/pastime is participated in at an amateur level. For all categories, any participation as a professional or semi-professional is excluded from cover. Sports and pastimes not listed here will not be covered under the terms and conditions of your client's policy.

Pursuit Standard list for no additional premium Enhanced list for additional premium
Athletics (track/field) All aspects covered. Covered in our standard list.
Aviation Not covered. Ballooning, gliding, paragliding (powered and non-powered), hang gliding, parachuting (from aircraft only), skydiving, micro-lighting, private flying (aeroplane or helicopter).
Ball/team sports Football, cricket, baseball, softball, squash, badminton, padel, pickleball, tennis, volleyball, field hockey, ice hockey, basketball, netball, rugby (union & league), American football, Gaelic football, hurling, shinty, golf. Covered in our standard list.
Cycling (non-powered) Road cycling, track cycling, off-road on designated bridleways only. BMX racing/freestyle, mountain biking/off-road cycling.
Dancing/gymnastics Aerobics, dancing. Acrobatics, gymnastics.
Diving sports Leisure diving only under 30 metres. No diving deeper than 30 metres nor any wreck, enriched air, free diving, cave, ice or solo diving. Leisure diving up to 50 metres, wreck diving, enriched air diving, cave diving, ice diving.
Horse riding Recreational riding, dressage, vaulting. Jumping, eventing, polo, hunting, endurance riding.
Martial arts/combat sports Training only for karate, jiu-jitsu, judo, aikido, kung-fu, taekwondo, boxing, wrestling, MMA, muay thai, sumo. Competitive matches/bouts covered.
Motor car racing Indoor karting, trial (off-road), navigation rallies, auto-slalom/autocross, track days. Outdoor karting, grass karting, drifting, sports car, saloon car or truck racing, autograss racing.
Motorcyle Sports Not covered. Non-competitive track days on tarmac surfaces only.
Climbing/Mountaineering Bouldering, indoor climbing, hiking, walking, scrambling, rock climbing up to and including UIAA/French grade 3. Mountaineering up to 5,000 metres, rock climbing up to and including UIAA grade 6/French grade 5.
Skating Roller/in-line skating, roller derby, skate boarding, Nordic blading, cross skating, roller skiing. Dirt boarding, grass boarding, mountain boarding, off-road skating, speed skating, wind skating, ice dancing/figure skating.
Strength/fitness training Non-competitive body-building, weight training, weightlifting, power lifting. Competitive body-building, weight training, weightlifting, power lifting.
Water sports Motor boating (inshore), inshore sailing, offshore sailing (boat size over 15 metres), jet skiing, water-skiing/wake-boarding, canoeing/kayaking/rafting (rapid class <3), rowing, windsurfing, wave surfing, inshore swimming, water polo, river hovercraft. Offshore sailing (boat size under 15 metres), canoeing/kayaking/rafting (up to rapid class 4), kite surfing.
Winter sports On-piste skiing/snow boarding, cross-country and Nordic skiing, snowshoeing, snow sledding & tubing, ice skating. Off-piste skiing/snowboarding (including tours and heli-skiing), speed skating, ice-track sledding, ski-jumping, ice yachting.

Who can take out hazardous pursuits cover?

Our hazardous pursuits add-on is available for new and existing clients with an Income Protection or Accident Only Income Protection policy.

Find out more about them here:

Next steps

Contact us

If there’s anything else you want to know or you’d like to talk through your clients options, please give us a call on 0333 014 6244 and we’ll be happy to help.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.

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