Jargon Buster - Definition of Hazardous Pursuits

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Hazardous Pursuits

refer to specific activities that are considered to be somewhat dangerous and can therefore increase the risk of an insurance policy. Some policies exclude various forms of these activities and some may include them for an additional cost.

Policies such travel insurance are likely to exclude activities deemed to be hazardous unless otherwise specified on you policy conditions whereas policies such as life insurance and critical illness cover, are likely to increase you premiums if you regularly take part in hazardous activities.

Some examples of what may be deemed as hazardous pursuits are:

  • White Water Rafting
  • Deep Sea Diving
  • Base Jumping
  • Sky-diving
  • Potholing
  • Hang-gliding
  • Parachuting
  • Motor Sports
  • Rock Climbing
  • Mountaineering
  • Aviation

Polices such as life insurance are only likely to increase your premiums if you participate in these activities regularly, some companies are however more lenient than others. If you do take part in any of these activities, it is recommended that you discuss it with a broker who can contact all the leading providers on your behalf.

Please note that all definitions are intended for general guidance only. For official and current definitions you should always double check your policy wording.

If you are in doubt of the meaning of any terms, why not email us on