Free falling can be exhilarating but can also potentially cause serious injuries. As a result, it is important to let your insurer know if you participate in free falling activities.

In this article, we’ll discuss why it’s important to disclose free falls to your insurer and how it can impact your insurance policy.

What is Free Falling?

Free falling is a type of extreme sport where an individual jumps from a high place and falls towards the ground, typically with the use of a parachute or other equipment that slows their descent.

Free falling is a popular activity among adrenaline junkies who enjoy the thrill of falling from heights up to 15,000 feet or more.

Why is it Important to Disclose Free Falls to Your Insurer?

Free falling activities are considered high-risk and can result in injuries or even death. Therefore, it is imperative to let your insurer know if you participate in such activities. Disclosing free falls to your insurer is important for several reasons:.

1. Coverage Availability

By disclosing your participation in free falling activities, your insurer can determine if they offer coverage for them. Some insurance policies may not cover or limit coverage for high-risk activities like free falling.

It is important to know whether your policy includes coverage for free falling and how much coverage is available.

2. Accurate Premium Calculation

By knowing that you participate in free falling activities, your insurer can accurately calculate your premium. High-risk activities like free falling can increase your premium due to the increased risk of injury and potential for costly claims.

3. Avoiding Claim Denial

If you participate in free falling activities and do not disclose them to your insurer, you risk having your claim denied in the event of an injury or accident.

Failure to disclose this information can be considered fraudulent and can result in the cancellation of your policy.

4. Liability Coverage

If you participate in free falling activities, you may want to consider purchasing liability coverage.

Liability coverage can protect you in the event that you are sued for damages or injuries sustained by others while participating in free falling activities.

5. Safety Awareness

By disclosing your participation in free falling activities, your insurer can provide you with important safety information.

This information can help you better understand the risks involved in free falling and how to stay safe while participating in this activity.

What Happens if You Don’t Disclose Free Falls to Your Insurer?

If you participate in free falling activities and do not disclose them to your insurer, you risk having your claim denied in the event of an accident or injury. Additionally, your insurer may cancel your policy for non-disclosure.

In some cases, failing to disclose high-risk activities like free falling can result in legal action against you.

Conclusion

Disclosing free falling activities to your insurer is important for many reasons, including coverage availability, accurate premium calculation, avoiding claim denial, liability coverage, and safety awareness.

If you participate in free falling or other high-risk activities, it is essential to let your insurer know to ensure that you are adequately covered.