Thread: Life Insurance

Hey guys. Who here is covered by life insurance if a hunting accident was to take place? It seems not many places will cover you in the event of a hunting accident without paying big bucks. Keen to hear your opinions.

Mine covers hunting, just not from a helicopter.

Take it Im covered if I die, doesnt matter how. Mine you Ive paid for mine now, no loss to the insurance company theyd just be returning some of the premiums

Accidental death does it matter if in the bush or driving the tractor or quad etc.. ??????

Not unless excluded me thinks

Originally Posted by kiwijames

Mine covers hunting, just not from a helicopter.

Whos that with James?

Originally Posted by kiwijames

Mine covers hunting, just not from a helicopter.

That's coz you squeal like a little girl whenever your in one The pilot needs insurance. You would be covered under the operators insurance anyway. If hunting legally it was a Doc requirement for all crew.

Originally Posted by Happy

Accidental death does it matter if in the bush or driving the tractor or quad etc.. ??????

Yes it does apparently. Hunting is regarded as a high risk activity.

Mine doesn't. With AMP. However, boss has just been getting additional cover on our behalf, and the broker said he had no problem getting insurance that will cover in the event of a hunting incident. Waiting to hear back from him, cos if that's the case and the price difference isn't much I will be changing.

Originally Posted by R93

That's coz you squeal like a little girl whenever your in one The pilot needs insurance. You would be covered under the operators insurance anyway. If hunting legally it was a Doc requirement for all crew.

Smart arse. (wheres the gives fingers smiley)

I doubt the operators insurance will cover anything more than medical not life? Don't tell my missus if I'm wrong!

Whos that with James?

Fucked if I know to be honest. Took about 4 months to sort. Wanted to know your life history and a medical essay even if you'd had a stubbed toe!

One of my businesses is an insurance brokerage.
You should be fine for regular hunting and shooting with most companies AS LONG AS YOU DECLARE IT. Shooting from a chopper however, will not be covered by anyone. Although that is usally more to do with the low flying helicopter than the hunting.

With any insurance policy you have a duty of disclosure which means if you partake in any activity that could be considered dangerous or outside the normal contract parametres you are required in your contract to disclose it. If you are worried about it ring your advisor or your insurance company and get them to send you acknowledgement in email form, then store it somwhere safe. Even a email confirming you are still covered is considered contractually binding.

Last thing the missus would need if you croak would be to find out the Life policy is void.

If you have any issues, get a better company, or get a decent advisor. I managed to get one of my clients written clearance for all his insurances to go to ground zero in Syria, so you going bush for a couple of days should be a doddle.
Always pays to check first though.

If anyone is worried or needs more info on this stuff shout out. I dont actively sell(is now just a side business) anymore but do maintain a decent client base and have had just about every question under the sun

Originally Posted by R93

That's coz you squeal like a little girl whenever your in one The pilot needs insurance. You would be covered under the operators insurance anyway. If hunting legally it was a Doc requirement for all crew.

You will have liability cover under the operators, but it is very unlikely that they have a policy which gaurantees a life payout, as these all need to be seperatley underwritten. You would still be able to get a policy it would just cost a fortune.
Pilots are one of the highest risk professions in terms of insurance, and helicopter pilots are the highest risk of the pilots.

Good discussion guys. This has prompted me to now look into the cover my policies provide to determine whether hunting is an acknowledged activity.

Thanks Nick-D, will definitely be looking at mine again then

Originally Posted by Rushy

Good discussion guys. This has prompted me to now look into the cover my policies provide to determine whether hunting is an acknowledged activity.

Your premiums must be through the roof rushy having survived so long?