Following a thorough review, we’ re now confident in expanding our standard Hazardous Pursuits cover at no extra cost to include team and ball sports, as long as they’ re non-professional, and combat and martial arts training, provided they’ re non-competitive.
Our data showed the risk between sports like rugby and football, or boxing and karate, is largely comparable. So, it only seemed fair to bring them in line, charging the same premium, while covering more people who need valuable protection.
By making these changes, we’ ve not only simplified the rules, but opened the door to more clients with no extra underwriting and no extra hassle.
What are the biggest improvements?
• More activities covered as standard: We already covered football, now we’ ve added high-contact sports like rugby, American football and Gaelic football.
• Simpler combat sports cover: Training is covered under standard terms. If your clients compete, they just upgrade to our Enhanced Cover without further questions.
• One upgrade, more adventures: For highadrenaline hobbies like skydiving or noncompetitive motorbike track days, our Enhanced Cover gives full peace of mind with one premium, full protection, no hassle.
“ Fair, fast and clear. That’ s what advisers and members want and what we had in mind throughout this process,” John adds.“ We’ re proud to lead the way.”
Remember, there’ s the option to add fracture cover to our policies, so if things go wrong, your client gets a cash payment to help soften the blow.
So, what’ s covered?
Standard Cover( included automatically): Athletics, ball and team sports like football, rugby and American football, martial arts and combat sport training, plus recreational aviation and diving up to 50m.
Enhanced Cover( optional upgrade): Activities like competitive combat sports bouts, skydiving, noncompetitive motorcycle track days, and more. Pay one extra premium and get cover for everything on the list.
What’ s not covered?
Professional or semi-professional sports. Any activities not listed in our Standard or Enhanced Cover lists.
“ We’ ve put it all on a clear, one-page guide so there are no surprises,” says John.
See the full list here.
• Faster, smoother applications: No extra un derwriting questions. Clients know upfront what’ s covered and when an upgrade is needed.
We don’ t believe ho bbies should hold clients back. Our refreshed Hazardous Pursuits cover means:
• More adventurous activities included as standard
• Clear upgrade options for thrill seekers
• No extra underwriting questions
• One of the simplest, fairest approaches on the market UPGRADE NOW Learn more about our enhanced cover and how easy it is to upgrade
August 2025 | 33