hazardous pursuits
HAZARDOUS PURSUITS Exclusions List
Please note This is only an indication of the likely underwriting terms available from British Friendly and is not guaranteed. It is subject to change upon receipt of the application form and any underwriting evidence. Assumes participation on a recreational/amateur basis only. *IC (Individual Consideration) - Please telephone the Underwriting Team on 01234 358344 to discuss this matter further.
Pursuit
Deferred period Day 1
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Abseiling
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Adventure Racing
IC*
IC*
IC*
IC*
IC*
IC*
IC*
American Football
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Archery
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Australian Rules Football
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Badminton
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Ball Sports - other
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Ballooning - < 50 flight hours per year
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Ballooning - > 50 flight hours per year
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Baseball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Basketball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Body Building/ Weight Lifting
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Bowls/Ten Pin Bowling
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Boxing - Amateur
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Boxing - Recreational Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Bungee Jumping - Occasional, < 5 jumps in total
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Cricket
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Amateur status or participates in competitions - exclude from day one up
> 5 jumps in total, more active participation, competitions or instructor level - exclude from day one up
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period
Additional comments
Day 1
1 wk
4 wks
8 wks
13 wks
26 wks
52 wks
Cycling Recreational only
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Cycling - Mountain Biking
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Cycling Participation in competitions, racing or time trials
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Diving Sports/Scuba Diving
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Equestrian Sports
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Fencing
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Football/Soccer
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Gliding
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Golf
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Gymnastics
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Hang Gliding
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Hockey
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Hunting/Fishing Big Game
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Hunting & Fishing Sports
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Jogging/Running
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Lacrosse
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Martial Arts
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Microlighting
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Motor Car Sport
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Motor Car Sport IC* Formula, Sports & Saloon Circuit Racing
IC*
IC*
IC*
IC*
IC*
IC*
Motor Cycle Sport
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Mountaineering/ Climbing
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Netball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Regular hunting/trophy seekers - exclude from day one up
More active participation, competitions or taking part in races - exclude from day one up
Standard terms can be offered from 4 weeks deferred upwards for participation in Aikido, Hapkido and Judo
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period Day 1
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Orienteering
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Paintballing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Paragliding/ Parascending/ Paramotor - < 100 flight hours per year
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Paragliding/ Parascending/ Paramotor- > 100 flight hours per year
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Potholing & Caving
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Powerboat Racing
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Private Aviation Aerobatics
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation - Aircraft Record Attempts
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation Fixed Wing Aircraft
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation Exclude Rotary Wing Aircraft
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation Other
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Rugby
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Shooting
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Skateboarding
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Skydiving/ Parachuting
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Snooker/Billiards/ Pool
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Squash
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Table Tennis
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Tennis
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Track & Field Sports
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Volleyball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Walking/Hiking
Standard
Standard
Standard
Standard
Standard
Standard
Standard
War Gaming
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Participation in competitions, record attemps or test flying exclude from day one up
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period Day 1
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Water Sports Canoeing/Kayaking
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - Jet Skiing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - Kite Surfing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Parasailing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Rowing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Surfing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Swimming
Standard
Standard
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Synchronised Swimming
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Wakeboarding
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - Water Exclude Skiing
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - White Exclude or Black water rafting
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Water Sports Windsurfing
Exclude
Standard
Standard
Standard
Standard
Standard
Water Sports - Other IC*
IC*
IC*
IC*
IC*
IC*
IC*
Winter Sports Bobsleigh
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Winter Sports - Ice Hockey
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
More active participation, competitions, instructor level - exclude from day one up
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period Day 1
Winter Sports - Ice Skating
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Winter Sports - Luge Exclude Tobogganing
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Winter Sports Other
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Winter Sports - Ski Bob
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Winter Sports Skiing
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Off-Piste skiing - exclude from day one up
Winter Sports - Snow Exclude Boarding
Exclude
Standard
Standard
Standard
Standard
Standard
Off-Piste Snowboarding or participation in competitions - exclude from day one up
Winter Sports - Snow Exclude Mobiling
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Participation in competitive racing - decline
Wrestling - for fitness and training purposes only
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
If amateur status- exclude from day one up
Yachting/Sailingpleasure only, inshore or coastal
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Pleasure only; Standard otherwise Exclude all
Yachting/Sailing other
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Agree
Zorbing/ Hydrozorbing/ Snowzorbing recreational; one off activity
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, instructor or over 10 times per year - exclude from day one up
British Friendly Society Limited Registered Office: 45 Bromham Road, Bedford MK40 2AA Telephone: 01234 358344 Web: britishfriendly.com Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Reg no 110013. Incorporated under the Friendly Societies Act 1992. Registered no 392F. Member of the Association of Financial Mutuals. v_2.6.16
Please note This is only an indication of the likely underwriting terms available from British Friendly and is not guaranteed. It is subject to change upon receipt of the application form and any underwriting evidence. Assumes participation on a recreational/amateur basis only. *IC (Individual Consideration) - Please telephone the Underwriting Team on 01234 358344 to discuss this matter further.
Pursuit
Deferred period Day 1
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Abseiling
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Adventure Racing
IC*
IC*
IC*
IC*
IC*
IC*
IC*
American Football
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Archery
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Australian Rules Football
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Badminton
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Ball Sports - other
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Ballooning - < 50 flight hours per year
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Ballooning - > 50 flight hours per year
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Baseball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Basketball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Body Building/ Weight Lifting
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Bowls/Ten Pin Bowling
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Boxing - Amateur
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Boxing - Recreational Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Bungee Jumping - Occasional, < 5 jumps in total
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Cricket
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Amateur status or participates in competitions - exclude from day one up
> 5 jumps in total, more active participation, competitions or instructor level - exclude from day one up
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period
Additional comments
Day 1
1 wk
4 wks
8 wks
13 wks
26 wks
52 wks
Cycling Recreational only
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Cycling - Mountain Biking
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Cycling Participation in competitions, racing or time trials
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Diving Sports/Scuba Diving
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Equestrian Sports
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Fencing
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Football/Soccer
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Gliding
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Golf
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Gymnastics
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Hang Gliding
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Hockey
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Hunting/Fishing Big Game
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Hunting & Fishing Sports
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Jogging/Running
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Lacrosse
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Martial Arts
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Microlighting
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Motor Car Sport
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Motor Car Sport IC* Formula, Sports & Saloon Circuit Racing
IC*
IC*
IC*
IC*
IC*
IC*
Motor Cycle Sport
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Mountaineering/ Climbing
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Netball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Regular hunting/trophy seekers - exclude from day one up
More active participation, competitions or taking part in races - exclude from day one up
Standard terms can be offered from 4 weeks deferred upwards for participation in Aikido, Hapkido and Judo
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period Day 1
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Orienteering
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Paintballing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Paragliding/ Parascending/ Paramotor - < 100 flight hours per year
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Paragliding/ Parascending/ Paramotor- > 100 flight hours per year
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Potholing & Caving
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Powerboat Racing
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Private Aviation Aerobatics
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation - Aircraft Record Attempts
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation Fixed Wing Aircraft
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation Exclude Rotary Wing Aircraft
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Private Aviation Other
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Rugby
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Shooting
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Skateboarding
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Skydiving/ Parachuting
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Snooker/Billiards/ Pool
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Squash
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Table Tennis
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Tennis
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Track & Field Sports
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Volleyball
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Walking/Hiking
Standard
Standard
Standard
Standard
Standard
Standard
Standard
War Gaming
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Participation in competitions, record attemps or test flying exclude from day one up
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period Day 1
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Water Sports Canoeing/Kayaking
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - Jet Skiing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - Kite Surfing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Parasailing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Rowing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Surfing
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Swimming
Standard
Standard
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Synchronised Swimming
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports Wakeboarding
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - Water Exclude Skiing
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, competitions, instructor level - exclude from day one up
Water Sports - White Exclude or Black water rafting
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Water Sports Windsurfing
Exclude
Standard
Standard
Standard
Standard
Standard
Water Sports - Other IC*
IC*
IC*
IC*
IC*
IC*
IC*
Winter Sports Bobsleigh
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Winter Sports - Ice Hockey
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
More active participation, competitions, instructor level - exclude from day one up
HAZARDOUS PURSUITS Exclusions List
Pursuit
Deferred period Day 1
Winter Sports - Ice Skating
1 wk
Additional comments
4 wks
8 wks
13 wks
26 wks
52 wks
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Winter Sports - Luge Exclude Tobogganing
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Winter Sports Other
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Winter Sports - Ski Bob
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Winter Sports Skiing
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Off-Piste skiing - exclude from day one up
Winter Sports - Snow Exclude Boarding
Exclude
Standard
Standard
Standard
Standard
Standard
Off-Piste Snowboarding or participation in competitions - exclude from day one up
Winter Sports - Snow Exclude Mobiling
Exclude
Exclude
Exclude
Exclude
Exclude
Exclude
Participation in competitive racing - decline
Wrestling - for fitness and training purposes only
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
If amateur status- exclude from day one up
Yachting/Sailingpleasure only, inshore or coastal
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
Pleasure only; Standard otherwise Exclude all
Yachting/Sailing other
IC*
IC*
IC*
IC*
IC*
IC*
IC*
Agree
Zorbing/ Hydrozorbing/ Snowzorbing recreational; one off activity
Exclude
Exclude
Standard
Standard
Standard
Standard
Standard
More active participation, instructor or over 10 times per year - exclude from day one up
British Friendly Society Limited Registered Office: 45 Bromham Road, Bedford MK40 2AA Telephone: 01234 358344 Web: britishfriendly.com Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Reg no 110013. Incorporated under the Friendly Societies Act 1992. Registered no 392F. Member of the Association of Financial Mutuals. v_2.6.16
