High Risk Hobbies That Could Affect Your Insurance Premiums

These days, there is no shortage of high-octane, extra-curricular activities to keep thrill-seeking adventurers entertained. You usually don’t have to travel far either. In many metropolitan areas, you can quickly discover places to race go-karts, practice acrobatics on indoor trampolines, canoe, or any number of other adventures that get your blood pumping.

Many of these activities are not an issue when it comes to getting insurance. You can jump to your heart’s content in the relative safety of an indoor trampoline center, burn rubber in a speed restricted kart, and canoe down gently flowing rivers.

But, if you want to take your hobby to the next level, you will probably have to reassess your insurance coverage. If trampolining inspires you to take up bungee jumping, for example, or you grow tired of tame rivers and want to take on powerful rapids, your insurance premiums might well be affected.

Here are a few favored activities that insurers consider high risk and will likely charge more for a policy or be reluctant to offer coverage.

Rock Climbing

Recreational climbing has grown in popularity in recent years. Many people view this activity as a way to stay fit, explore the great outdoors, and indulge in a little thrill seeking. While ordinary wall climbing or mountain hikes will not usually have an impact on your insurance premiums, certain other types of climbing surely will; chief among those is rock climbing.

There are various extremes for rock climbing, in the eyes of insurers, and the ability to get insured will depend on which end of the extreme you prefer. Solo, Freestyle (without a safety harness), and extreme elevation climbs are all sure to cause issues with your insurance policy. You can get coverage, but it is highly unlikely that your standard life insurance policy will cover such activities.


For some people, prowling through woodlands, rifle in hand, ready to take down prized wild animals, is the best way to unwind and boost thrill levels. But, if you get injured while out hunting you may be surprised to learn that your insurance company does not cover such activities. Hunting is considered a high-risk activity.

While you may see this activity as merely getting some fresh air, a little exercise, and hopefully a kill, the insurers see all manner of potential dangers with this popular hobby. As a result, hunters can expect to pay an extra $500 per year, on average, for their insurance.

If like many, you have been blissfully honing your hunting skills every weekend, you may need to revise your insurance policy. Chances are, you are not be covered.

Recreational Boating

Recreational boating is hardly a high-octane, adrenaline-filled activity. But to insurers the risk of personal injury, damage to property, or loss of life is significant. Whether you’re sailing around the quays or fishing for bass, be prepared to pay a little extra for your insurance premiums – up to $750, according to enhancedinsurance.com.

That might seem like an excessively high premium to enjoy the open waters, but bear in mind that without proper coverage you could be liable for many thousands of dollars in damages, health costs, or repair and replacement of equipment. It is important to review your insurance policy to make sure you have adequate coverage for your recreational boating activities.

Motor Racing

For some, the thrill of whizzing around a small track in a small go-kart has long since dissipated. Now, only the high-thrill, high-speed, and high-risk of a full-fledged automobile race will do. If that’s you, then your insurance company will likely want to take a second look at your policy. In fact, any form of motor racing will raise high-risk red flags.

If you participate in formally organized events, you can expect some leniency because these events usually take place on approved tracks and have medical and safety personnel on standby. If like many “motorheads,” you race in privately organized events, getting insurance coverage might prove a little more difficult.

How much more you pay for insurance depends on the type of motor racing in which you participate. Expect to pay upwards of $1000, though.

Extreme Sports

When most people think of extreme sports, they imagine things like snowboarding, base jumping, or dirt bike riding. But, there are other sports which, for insurance purposes at least, are also considered “extreme.” That includes boxing, mixed martial arts, marathon running, and surfing – activities which have seen a sharp rise in uptake in recent years.

Lots of people view those activities as both hobbies and a way to keep fit and healthy. From an insurer’s point of view, however, sporting activities like the ones mentioned above are an increased risk to your health and life. As a result, you will either have to pay more for your premiums, or find it tremendously difficult to get coverage.

Scuba Diving

On the surface, scuba diving may seem like an innocent pastime. What better way to unwind than diving into crystal clear waters and to marvel at all the beautiful sea life within, but before you do that you must ensure that you have proper insurance coverage. Insurers consider scuba diving among the most dangerous activities a person can do.

Scuba diving is not all brightly colored fishes and fascinating fauna. There are also relatively high incidents of decompression sickness and drowning. So, if you start taking a keen interest in this activity, you risk getting declined for life insurance policies. As always, though, individual circumstances will determine your options and what rates are available to you.


Keep in mind the insurance issues relate to those that partake in these activities frequently. Participating in a “high-risk” activity once is unlikely to affect your premiums. If you grow fond of that activity, however, you will likely need to revise your policy and get the appropriate insurance coverage for your new pastime.