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BASE jumping life insurance

BASE jumping is one of the most extreme of all extreme sports and certainly something where participants should consider life cover. BASE jumping life insurance can protect your family from potential financial struggles if you were to pass away.

If you take part in dangerous hobbies and activities and you have got children, then it’s advisable to be thinking about putting cover in place. Most BASE jumpers normally assume that they cannot get life cover, which isn’t necessarily true.

If you search BASE jumping on Google, the most common questions are all about how dangerous it is, and BASE jumping death rates/BASE jumping fatalities. This suggests that this sport can be extremely dangerous.

In this section (BASE jumping life insurance):

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What is BASE jumping?

If unfamiliar with this sport, people may wonder “what is a BASE jump?”.

‘BASE’ is an acronym for building, antenna, span or earth (i.e. clifftop). The term ‘BASE’ jumping applies to people that jump from one of these ‘fixed objects’ so it is not quite the same as sky diving.

This can include tandem base jumps or solo wingsuit jumps or wingsuit flights. Wingsuit base jumping is when a person wears a wingsuit rather than a parachute when they jump, and proximity flying allows for the feeling of extra speed by flying close to cliff faces.

It is difficult to know exactly how many people there are that take part in the extremely exhilarating activity, due to the difficulty and nature of it. Base jumping statistics state there is a 0.2%-0.4% injury rate per jump.*

There are some suggestions that there are only approximately 1,000 people base jumping, with just 50 of them listed at the highest level of the sport.

Why are we BASE jumping life insurance experts?

While we’re a team of extreme sports enthusiasts, BASE jumping is just a step too far, even for us.

Whether wingsuit flying or using a parachute, we have ultimate respect for anyone who is brave enough and skilled enough to take part in this particular activity.

It’s incredible to watch and the progression of the sport over the past few decades has been astonishing.

Our team of passionate extreme sports experts has worked with some of the top-level BASE jumping athletes to help protect them and their families.

Does life insurance cover BASE jumping UK?

If you BASE jump and you want life cover then you’ll need to disclose this on your application as part of your lifestyle questions.

Some life insurance companies may ask you for more or different information than others because this is classed as a high-risk activity. There are some insurers who may not accept your application so you need to choose insurers carefully.

An expert will be able to let you know which life insurance companies are more likely to offer you a policy and get the cheapest premiums for you.

Find out more about LIFE INSURANCE.

How much does BASE jumping life insurance cost?

If you take part in high risk activities, you may be concerned life insurance will be overly expensive because of this. This doesn’t have to be the case, if you get advice from an expert who knows where to look for great cover at fair prices.

The cost of your life insurance policy can however be impacted by many other factors, whether you BASE jump or not.

Things to consider before applying for cover include:

Compare the best BASE jumping life insurance policies

You can get life insurance in several different formats and there are just a few things that you need to consider.

If you take part in a high-risk activity, then your options may be slightly limited so you just need to consider what’s available. Some insurers might offer cover and others may be less inclined to give you protection.

Some of the main options that you should consider for BASE jumping life insurance are:

Consider your options and your circumstances to make sure that you get a policy that suits your situation and needs. Our team of highly skilled experts can compare policies across the UK’s top mainstream and specialist providers, to find you the best cover at the right price.

Does life insurance pay out for BASE jumping?

YES – The simple answer is if you have life insurance, and you go BASE jumping then you should be covered.

As long as you disclosed your hobby on your life insurance application (if you took part when you originally applied) then you should still be covered.

It might seem like a crazy question, but some people are often confused by whether or not life insurance covers things like this.

A life insurance policy will provide your family with a cash lump sum to pay for things like:

  • Mortgage debt
  • Rent payments
  • Other debts
  • School fees
  • Cost of living

If you need BASE jumping life insurance, then you should speak to an expert or specialist. An advisor with the right background and knowledge will have a better understanding of which providers will be most likely to offer cover.

Does critical illness cover pay out for BASE jumping?

Most critical illness cover policies will provide extra security and peace of mind to people who take part in extreme sports like BASE jumping.

If you’ve got critical illness cover in place, then you should be fully protected. You should have disclosed BASE jumping on your application if you were actively jumping when you applied for this cover.

This type of policy can give you cover for things like:

  • Accidental injuries (e.g. major trauma, or musculoskeletal damage)
  • Permanent disability
  • Heart attack

You should consider critical illness cover to give you and your family protection for financial loss to pay for:

  • Mortgage payments
  • Property rental
  • Debts
  • School fees
  • Other outgoings

Make sure that you check your policy wording and documents closely to ensure that you have the right cover in place for you.


Life insurance FAQs

How much cover do I need?You need to consider several factors when looking at how much life insurance you will need such as:

Mortgage amount/Rent
Outstanding debts
Dependants (Ages)
Income ExpenditureBudget

Our life insurance specialists can find a range of policies with different levels of cover and pricing to suit your needs and circumstances.  
How long should I take out cover for?You can now be covered up until age 90 for life insurance (this will vary for critical illness cover and income protection). Factors to consider when deciding your policy term include:

Estimated retirement age
Age of dependants
– Amount of savings
– Other investments

Our specialist advisors will discuss which options are available and will help you find the most suitable cover term based on your circumstances and priorities.  

Expert advice for BASE jumping life insurance

We have helped many skydivers and BASE jumpers, put in place the life cover they need at a fair price. With higher risk of accident and injury from these activities, it is vital to make sure your loved ones are properly protected.

We’re extremely proud to be the UK’s TOP-RATED extreme sports and dangerous hobbies life insurance EXPERTS .

Our team of HIGHLY SKILLED and SUPER FRIENDLY life insurance experts is rated 5.0 out of 5.0 Stars on FEEFO.

We also have access to one of the most comprehensive life insurance partner panels to get you the BEST rates available for BASE jumping life insurance.

Useful resources

Learn to BASE Jump – Courses

Trip Savvy – A beginner’s guide to BASE jumping

Top End Sports – BASE jumping: A truly extreme sport

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