Ballooning & Life Insurance
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When you apply for life insurance, ballooning will be assessed by the insurer in regards to whether your craft remains tethered or is in free flight, how many hours you spend in the air and if you are a member of a reputable association of ballooners. Where there is no competitive aspects to the gliding you may be able to secure life insurance at normal terms, however if you spend a great detail of time in the air your policy premiums could be increased. Where you take part in record attempts or racing it is possible that your application will be referred for additional underwriting on a case by case basis.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness insurance for those who pursue ballooning will typically come with an exclusion to any health conditions that you incur due to your pastime unless flights are infrequent.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for ballooners may be available at standard rates, dependent upon your history of accidents/injuries. You will need to choose the insurer carefully to access policies that do not come with exclusions.
Ballooning is the activity of flying through the air whilst in a basket attached to a large balloon. The flight is sustained by natural air currents, a burner situated within the craft and the pilots ability to steer the balloon. In general hot air balloons are free-flying craft for leisure purposes but they can also be tethered to the ground for short flight experiences.
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