It should come as no surprise that many extreme sports are classified as high risk, they aren’t called extreme sports for no reason after all. Anyone who actively participates in an extreme sport should be aware of the risk of injury and even death involved and the importance of having protection in place should the worst happen. Although it is possible to get many extreme sports insurance covers at the same rate as standard insurance policies, there are certain sports that are particularly high risk and therefore come with premiums and exclusions. In this article we take a look into some of the most dangerous extreme sports and the insurance implications of participating in them.
Top 5 most dangerous extreme sports
Even just watching a video of someone base jumping is enough to make your palms sweat. For those of you who haven’t heard of base jumping before, this extreme sport involves jumping off of a fixed object and using a parachute to descend down to the ground. The term ‘base’ is an acronym for the fixed objects that are usually jumped from; buildings, antena, spans and earth. Base Jumping is so dangerous in fact that the national centre for health statistics reported that on average, for every 60 people who base jump, one of them dies.
Some might say that from these statistics, maybe humans should remain with their feet on the ground where they belong, but this doesn’t stop thousands of people from taking part in these extreme activities every year. Another incredibly dangerous sport is hang gliding. This sport involves launching oneself from a cliff or a steep incline and soaring through the air by means of a hang glider- a non powered light aircraft. It shouldn’t come as a shock that this sport comes with an increased level of risk to life, infact statistics show that 1 in 560 hang gliders die which demonstrates the danger that comes with this sport.
If you’ve ever seen the film ‘Everest’ you are probably already aware of the many complications and challenges involved with professional mountain climbing. These challenges include everything from poor preparation, unpredictable weather conditions, altitude sickness, icefalls and more. Mountain climbing is not for the faint hearted and requires both a time and financial commitment as well as training to be able to face the challenge. When it comes to mountain climbing, as with any extreme sport, the risk of injury and death increases with 1 in 1750 mountain climbers dying each year. If you are someone who loves the adrenaline rush of mountaineering but understands the risks that come with it, it may be worth investigating specialist financial protection for peace of mind.
Another extreme sport that has a variety of different disciplines within it is motorbike racing. As with any extreme sport, the amount of risk is dependent on a few factors such as; level of racing (ametuer/ professional / recreational), the type of motorbike used, how frequently you participate in motorcycle racing and where you race. Overall statistics suggest that motorbike racing is a more dangerous type of extreme sport leading to the death of 1 participant for every 1000 people who take part in this activity.
One sport that you may not have thought about being particularly dangerous is canoeing. Even though this sport does not involve extreme heights or speeds, there are a number of factors that can lead to complications putting canoists at risk of serious injury and even death. More obvious risks include drowning and collision with other water users. Some less known hazards include; locks and weirs which can cause canoists to get stuck in deep recirculating hydraulics, rubbish, which can cause cuts and weather which can lead to hypothermia. The risk of dying as a result of canoeing activity is 1 in 100,000.
Life insurance for extreme sports
When anyone is classed as at high risk of injury, health implications or death, there is an increased chance of premiums and exclusions when it comes to insurance policies. If you are someone who participates in one of the dangerous activities mentioned above, or any other extreme sports you may be interested in specialist life insurance. One of the UKs leading extreme sports life insurance providers is Sports Financial Services. To find out more about life insurance, critical illness cover and income protection get in touch with Sports FS. They will be able to advise you which insurance policy best suits your needs and gives you the right level of financial protection.
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