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Dangerous Pastimes and Extreme Sports Insurance in Australia

With sport, risk is about the probability of physical danger. For life insurance companies, extreme sports carry with it a very high likelihood that something will go wrong, with an increased chance of death as the outcome.
Fact Checked

Updated: 19 May 2024

Most sports carry a risk of serious injury. If you are one of the many Australians who participate in a sport, you should consider what would happen to your lifestyle if you got injured. What would you do if you needed hospitalisation and extended time off work for recovery or worse became totally and permanently disabled?

Most life insurance policies in Australia will exclude extreme sports, like skydiving, hand gliding, parachute jumping and motor racing. However, if you have a past time that you love, and you want to make sure you and your family is financially protected, then compare a variety of life policies to find the one that suits your adrenaline lifestyle and budget.

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Does life insurance cover extreme sport?

Yes, extreme sports insurance is available from select insurers. However, it depends on the severity of the sport, your insurer and the policy type you’re looking for. Appropriate insurance cover, like life insurance, income protection, TPD and trauma cover can help to ensure the financial impact of an accident is minimised.

When applying for a life insurance policy, you’ll usually be asked if you participate in any adventurous activities or dangerous past-times.

Based on the information provided, that activity might be excluded from coverage, or you might have to pay a higher premium. In some cases, your policy could be declined because the insurer is not willing to cover such a high risk.

Life insurance definition of an extreme sport