Protect yourself further against more adventurous hobbies and pastimes.
We understand how important it is for you to be covered, and your hobbies shouldn’t stop you from getting the protection you need.
Our Income Protection and Accident Only Income Protection includes cover for some leisure activities as standard. But we also offer you 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.
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 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, krav maga, kickboxing. | 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, hill climbs. |
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. |
Our hazardous pursuits add-on is available for new and existing members with an Income Protection or Accident Only Income Protection policy.
Find out more about them here:
If there’s anything else you want to know or you’d like to talk through your 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.
A Proud Member of:
Call us now
We can explain all the important details and options available.
Monday to Friday / 8am - 6pm
National Friendly Financial SolutionsOur Awards:
