Travel and pursuits

Future travel

We appreciate that a UK resident may travel or even reside abroad during the life of the policy. We assess this risk during the application process by asking:

"In the next 2 years, do you expect to travel outside the UK, EU, North America, Australia, New Zealand, or to any destination where the Foreign, Commonwealth and Development Office (FCDO) have advised of travel restrictions?

You do not need to tell us about a total of 30 days holiday each year to countries or regions where the FCDO guidance says it is okay to travel without restriction. If you are unsure, you can check the latest advice on their website: www.gov.uk/foreign-travel-advice.

Answering “Yes” to this question will prompt further questions. These answers will then be individually considered by an Underwriter to ensure a fair and accurate assessment of the risk.

Pursuits

Pursuits can be fun, though some attract a degree of risk. The main risks are accident or injury and our assessment of this risk depends on many factors including the type of pursuit, extent of involvement, level of experience and frequency of participation.

The below table details the pursuits we ask about on our application along with some of the decisions we might give.

Pursuits	Life	Critical illness	Income protection	Total permanent disability	Waiver of premium
Pursuits
Canoeing or kayaking (UK only)	Standard	Standard	Usually exclude	Usually exclude	Standard
Caving or potholing (up to 25 times per annum)	Standard	Standard	Usually exclude	Usually exclude	Standard
Climbing or mountaineering (<4,000m up to UIAA level 5 or using bolts only)	Standard	Standard	Exclude	Exclude	Standard
Cycling or mountain biking	Standard	Standard	Standard	Standard	Standard
Diving (up to 40m with no special tasks such as wreck diving or expeditions)	Standard	Standard	Standard	Standard	Standard
Diving (over 40m with no special tasks such as wreck diving or expeditions)	Usually rated £1-3 per mile if more than 20 dives per year. Otherwise standard	Usually exclude if more than 20 dives per year. Otherwise standard	Usually exclude if more than 20 dives per year. Otherwise standard	Usually exclude if more than 20 dives per year. Otherwise standard	Usually exclude if more than 20 dives per year. Otherwise standard
Flying or other aviation based activity	Usually rated. Depends on activity and frequency	Usually excluded. Depends on activity and frequency	Usually excluded. Depends on activity and frequency	Usually excluded. Depends on activity and frequency	Unable to offer. Depends on activity and frequency
Motor sport (car or bike)	Standard to Rated. Depends on classification and frequency	Standard to Exclude. Depends on classification and frequency	Standard to Exclude. Depends on classification and frequency	Standard to Exclude. Depends on classification and frequency	Unable to offer. Depends on classification and frequency
Sailing or yachting (inland)	Standard	Standard	Standard	Standard	Standard
Sailing or yachting (offshore)	Standard to Rated. Depends on category, vessel and crew size	Standard to Exclude. Depends on category, vessel and crew size	Standard / Unable to offer. Depends on category, vessel and crew size	Standard to Exclude. Depends on category, vessel and crew size	Standard / Unable to offer. Depends on category, vessel and crew size
Skiing or snowboarding (excl. heli-boarding)	Standard	Standard	Standard	Standard	Standard
Other hazardous pursuit	Determined by nature of activity and frequency	Determined by nature of activity and frequency	Determined by nature of activity and frequency	Determined by nature of activity and frequency	Determined by nature of activity and frequency