What sports are covered under permanent income protection

Luke451

About motorsports...

Actually, in that table Aviva excludes racing (which is not my intent at all), but they asked me if I was doing motorsport (generally) in the underwriting.

You see, this is when I get nervous about insurances, how should I deal with a claim if they are so in contrast with their documents???

In case of a legal battle, what document will prevail and which one will be brought on the table?

I mean, they can just update one if their 30 PDFs and I get screwed overtime.

The issue with those documents is that they are NOT signed, it's not something you signed page by page like a "will" and that's the only thing that will be valid until you retire...

I just have a bunch of PDFs and different story during the underwriting process...

Technically I wasn't doing any of those sports at that time, and I didn't for a very long time, but now I wish to come back on doing some of it, motorbike, cars, boxing etc... They're mostly occasional though, like on monthly basis, or only summer, it's never like going to the gym 5 times a week.

Weighty1

Luke451 said:

Weighty1 said:

Only YOU can decide what you put on the application.  The questions asks "do you regularly take part in any of the following activities, or do you intend to do so within the next 6 months?"  If you are doing something regularly it doesn't need to be on a daily basis, it could be weekly or even monthly and in my experience people doing things like tracks days don't typically do them much more than once a month anyway.  

Take the question at face value and answer honestly.

They didn't ask me anything about what I would like to do, they just asked me what I'm doing probably, if any sport at all, or if any extreme sport at all.

At that time, I wasn't really doing sport and I didn't plan to do it anytime soon, just the intention was there but there was no plan because I had issues to solve.

Plus, some of those sports are not possible in the winter, like rock climbing, you can only do ice climbing if you wish , I'm so curious to know if doing only summer sports enters in the disclosure agreement.

Now, the life changed and I want to do some of those sports which they exclude apparently, but in the underwriting...

I should be still on the safe side, but is it not better to have a dedicated insurance for those sports? My personal issue is that they may be too many...

I don't think it's as you say, if I declare that I do any dangerous sport, they all remove the cover for those specific activities. Certain insurances don't cover them at all, not only if present in the underwriting document signed, I'm talking about the major insurances like L&G, LV etc...

So, I wonder what's the solution for those sports.

I anticipate that I don't want an insurance that pays a lump sum in case of an injury, like SportDirect, in any case injuries for "dangerous" sports are paid very low and the monthly insurance cost may even exceed the one of an income insurance.

Once again, the question reads [b]"do you regularly take part in any of the following activities, or do you intend to do so within the next 6 months?"[/b] so if you intend to do any of the pastimes listed within the next 6-months then they need to be declared.  As I also said, only YOU can decide if you plan to do any of these pastimes within the next six months.  (As an aside, you absolutely can rock climb in winter as I've friends who climbed during the odd warmer and dryer days on routes in the Peak District).

If you aren't comfortable with how L&G look at the pastimes you are planning to partake in then you need to find an insurer who WILL cover you for them.

I'm not sure there's much more I can do to add value here

Luke451

Weighty1 said:

Luke451 said:

Weighty1 said:

Only YOU can decide what you put on the application.  The questions asks "do you regularly take part in any of the following activities, or do you intend to do so within the next 6 months?"  If you are doing something regularly it doesn't need to be on a daily basis, it could be weekly or even monthly and in my experience people doing things like tracks days don't typically do them much more than once a month anyway.  

Take the question at face value and answer honestly.

They didn't ask me anything about what I would like to do, they just asked me what I'm doing probably, if any sport at all, or if any extreme sport at all.

At that time, I wasn't really doing sport and I didn't plan to do it anytime soon, just the intention was there but there was no plan because I had issues to solve.

Plus, some of those sports are not possible in the winter, like rock climbing, you can only do ice climbing if you wish , I'm so curious to know if doing only summer sports enters in the disclosure agreement.

Now, the life changed and I want to do some of those sports which they exclude apparently, but in the underwriting...

I should be still on the safe side, but is it not better to have a dedicated insurance for those sports? My personal issue is that they may be too many...

I don't think it's as you say, if I declare that I do any dangerous sport, they all remove the cover for those specific activities. Certain insurances don't cover them at all, not only if present in the underwriting document signed, I'm talking about the major insurances like L&G, LV etc...

So, I wonder what's the solution for those sports.

I anticipate that I don't want an insurance that pays a lump sum in case of an injury, like SportDirect, in any case injuries for "dangerous" sports are paid very low and the monthly insurance cost may even exceed the one of an income insurance.

Once again, the question reads [b]"do you regularly take part in any of the following activities, or do you intend to do so within the next 6 months?"[/b] so if you intend to do any of the pastimes listed within the next 6-months then they need to be declared.  As I also said, only YOU can decide if you plan to do any of these pastimes within the next six months.  (As an aside, you absolutely can rock climb in winter as I've friends who climbed during the odd warmer and dryer days on routes in the Peak District).

If you aren't comfortable with how L&G look at the pastimes you are planning to partake in then you need to find an insurer who WILL cover you for them.

I'm not sure there's much more I can do to add value here

Thank you, my insurance asked me what I do now (or at that time), not what I'm planning to do, I'm not sure about the specifics of L&G, it's not the one I have.

Thanks for the help so far, I think I need to phone the insurance and verify the matter, maybe I need to request something in writing, it's all so shady...

Luke451

Weighty1 said:

'permanent' income protection plans don't list sports or pastimes as being excluded because they are often excluded on a case by case basis.  For example, rock climbing on indoor walls is normally allowed but outdoors is normally excluded and is definitely excluded if done higher than a certain grade of climb or a certain altitude (with nearly all insurers anyway).  There's no point them listing this in the key facts document are for every 100 people who apply maybe only 1-2 doing rock climbing in any capacity and maybe 50% of those only do it indoors.

Same with scuba diving, paragliding, martial arts etc etc etc.

All the insurance company want you to do is disclose what pastimes you do (which they ask about) or intend to do (a definite intention, not a "I may at some point in my life decide to take up X, Y, or Z") and they make a decision based on that.

--- EDITED ---

Hi, I'm just curious about your message, I think that for the whole time, you were taking into account L&G (your insurance), which asked you to disclose past activities, current and something you'd like to do in the near future (I believe you mentioned 6 months).

In my case, my insurer asked "what I do" (I suppose it means now), and at the time I subscribed the insurance, I didn't do pretty much anything due to personal reasons.

Pointless asking other things because I wasn't doing any other sport for personal reasons, but I'd like to take part to some of them now, it's the same reasoning as motorsports.