Ballooning & Life Insurance

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BallooningWhen 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.

If you are unable to secure income protection at normal rates, you could consider accident, sickness and unemployment cover. This policy will provide a short-term income replacement of between 12 and 24 months if you are unable to work due to disability, illness or involuntary redundancy. Many insurers who offer accident, sickness and unemployment cover will not be concerned with your ballooning activities but you should read your policy documentation thoroughly to make sure you are covered for your pastimes.

Are you planning on going abroad and doing a spot of ballooning? We can put you in contact with a specialist travel broker, who can help you find the cover you are looking for. Click here to get your no obligation quotation.


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.

Fun Facts

  • The first hot air balloon passengers were a unique bunch: a sheep, a duck and a rooster!
  • The first manned hot air balloon ride happened in the 16th Century
  • In 1808 there was a hot air balloon love triangle, where two suitors took to the skies and shot at each other until one of them crashed, the victor won the heart of Mademoiselle Tirevit
  • Hot air ballooning
  • Falls
  • Equipment safety
  • Environmental factors
  • Height
  • Location
  • Group
  • Solo
  • Frequency
  • Qualifications
  • Experience

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


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