Good protection against disability despite dangerous recreational activities is crucial that application exercised dangerous hobbies are specified, asks where the insurance company in the application. Otherwise, the insurer in the event of damage can reduce the benefits or even deny. Usually only such hobbies, represent a health risk or increased accident’s are relevant. Extent to which an insurer requires a risk premium, depends on an individual examination of the hobby by the insurance company. So an additional questionnaire must be filled out about on the subject of mountain sports, where the customer specifies his hobby: how high is the mountain hiking, mountaineering or trekking, in which countries you travel, how often the hobby is exercised and which fuses are used. The insurance company then judged the responses.
This can come out, that the hobby without additional contribution can be co-insured. It can lead to a risk premium or a Exclusions for the hobby. Normal hiking, indoor, trekking or Outdoorklettern with appropriate fuses up to grade 3 are often covered without risk. If it goes further, this results usually risk premiums or even a rejection. Also in the field of air sport expect fast for an occupational disability insurance with high risk premiums. Gliding, helicopter flying, or free balloon rides usually cause premiums of 50 percent. Parachute, hang glider or paraglider facing default risk premium 100 percent. In martial arts, it looks similar to: depending on the design of the hobby, 50 or 100 per cent risk premium are often possible.
Partly be rejected completely. After all, sports such as football, golf, hockey, cross-country, dressage or trail riding will not count towards the dangerous hobbies and not expect mostly with a surcharge. In the selection of the appropriate tariff should people with a (from the insurance perspective) dangerous hobby get necessarily independent advice before a genuine request is made: the insurance companies evaluate hobbies that differed. It can be, “Insurers A” require the duplicate post, while “Insurer B” classifies the hobby as dangerous and completely dispenses with a surcharge. This can be checked in the framework of a so-called risk preliminary inquiry. The health information and hobbies are once collected and evaluated in parallel by several insurance companies. You know on what terms a contract from the individual insurance companies is possible, then can decide then. Information on the disability insurance and the possibility of a comparative calculation and risk preliminary inquiry can be found on the BU-Kompass.de Internet portal. If incidentally, take up a new hobby after conclusion of the contract, must usually existing disability insurance not to be reported. The “new” hobby is in such a case automatically and insured without excess contribution. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH offers independent and neutral information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BU-Kompass.de helps you to achieve the optimal price / performance ratio when your insurance products.