Worldwide Mortality Insurance Cover up to USD$100,000.00
Extreme Sports Extreme Adventures Extreme Activities Extreme Lifestyles
» Think you’re covered under your life insurance policy?
» Think you’re covered under your travel insurance policy?
» Think you’re covered under someone else’s insurance policy?
Think again, because most likely your not!
Finding insurance to cover you for extreme activities can be difficult at the best of times, that’s because insurance companies are by their very nature conservative organisations; they hate it when you do anything risky.
But, getting your adrenaline pumping by doing something you really want to do doesn’t mean you have to risk everything.
Mortality Insurance (also called accidental death insurance) is one way you can get peace of mind that those who depend on you will at least have some financial security if you were to suffer a fatality while taking part in your adrenaline filled pastime. That’s sort of a nice way of saying….if you die from it.
Mortality Insurance covers you for death as a direct consequence of an accident which causes a fatal injury while you’re taking part in an insured ‘extreme activity, whether it’s an organised sport, a hobby, solo activity, pastime or a one-off thing on a day out, or while on holiday.
Our Mortality Insurance product can help fill the gap left by exclusions in you current life insurance policy; and/or for that matter if you’re travelling on a holiday abroad your travel insurance will also most likely have restrictions on the types of activities covered.
This is sometimes called ‘Activity Top Up Insurance’.
Here are some examples of the types of extreme sports & activities not usually covered under ordinary life insurance and travel insurance policies:-
- Off to Russia to fly a Mig Jet…….doubt your life insurance has that included;
- Trekking in Nepal? .. unlikely if you’re going off the beaten - is there any other type of track?
- Climbing a Mountain in the Himalayas?…..no way will your travel or life policy be on risk for that;
- Heli-Skiing in remote virgin snow?…..(how cool is that!) but, your life insurer thinks you’re nuts;
- Learning to fly?….nup, no way, life insurers hate flying …if humans were meant to fly etc’…
It doesn’t matter if you don’t have life insurance cover because our Extreme Lifestyles Insurance product can be purchased for a one off specific event; or in segments of cover to suit your needs.
Periods of Cover are available for:-
» 1 Day (24 hours)
» 1 Week (7 days)
» 1 Month (up to 31 days)
» Up to 3 Months (up to 93 days)
Note: The underwriter will consider providing longer periods of coverage; and/or extending any existing coverage period upon further application.
The Key Element of the Cover
Our Mortality Insurance product is a very simple insurance cover – in a nut-shell, it pays if you die from injury caused by an accidental sustained in the course of the insured extreme activity.
It doesn’t cover or pay for anything else but, there are a few additional benefits included in the coverage worth knowing about; there are some exclusions which apply as well.
Death from illness is not covered, but some specific limited conditions (described in the policy) are covered such as hypothermia; if hypothermia sets in and results in your death due to your physical immobility caused by an injury arising from a covered accident. (for instance, you’re mountaineering, fall down a crevasse and break your leg and as a result can not get help and thus perish from the effects)
- Death caused by a wild animal; is covered – (attacked by a grizzly bear for instance while hiking in the wilderness)
- Death caused by snake bite or from some other type of venomous creature or insect, providing that death is caused within 7 days of the bite.
- But, death from Malaria, whether from the bite of a Mosquito or howsoever otherwise infected is not covered.
- Suicide, intentional self harm, non-disclosure of relevant facts, mental illness, preexisting medical conditions, intentional recklessness and substance abuse are all things which are excluded under the terms of the policy. (intentional recklessness means not taking reasonable precautions, for instance racing a bike without a helmet and subsequently dying from head injuries caused in an accident)
Types of Extreme Activities & Sports Covered
Abseiling
Adventure Racing
Aerobatics
Angling
Archery
Athletics
Ballooning (hot air)
Banana Boating
Barefoot Water Skiing
Base Jumping
Biathlon
Big Game Hunting
Bull Riding & Buck Jumping
Bungee Jumping
Biking
Black Water Rafting
BMX Riding – (race, stunt, obstacle)
Bobsleigh
Bouldering
Boxing
Bridge Swinging
Bungee Jumping
Bushwalking
Camel Riding
Canoeing
Canyoning
Cave Tubing
Caving
Cliff Diving
Climbing (outdoor & indoor)
Contact Sports (all types)
Cross Country Running
Cross Country Skiing
Cycle Racing
Cycling
Deep Sea Fishing
Defensive Driving
Diving (high diving)
Diving (scuba)
Dog Sledding
Drag Racing
Dry Slope Skiing & Boarding
Dude Ranch Holidays
Elephant Trekking & Riding
Endurance Tests
Enduro
Expeditions (remote places)
Extreme Skiing
4WD Training
Fencing (competition)
Flying
Football (all codes)
Free Diving
Free Mountaineering
Glacier Walking
Gliding
Gridiron
Gymnastics
Hang Gliding
Harley Rides
Harness Racing
Helicopter Flying & Pilots
Hiking & Bushwalking
High Wire Sky Surfing |
Horse Jumping
Horse Racing
Horse Riding
Hunting
Ice Climbing
Ice Hockey
Ice Skating including Speed Skating
Indoor Climbing
Inline Skating
Ironman Competitions
Jackaroo & Jillaroo
Jet Boating
Jet Fighter Joy Flights
Jet Skiing
Jogging
Jousting
Karting (go-carts)
Kayaking
Kite Snowboarding
Kite Surfing
Lacrosse
Land & Ice Yachting
Laser Skirmish
Langlauf
Luging / Bobsleigh
Marathon Running
Martial Arts
Micro- Lighting
Modern Pentathlon
Motocross & Dirt Bikes
Motor Cycle Racing
Motor Cycling
Motor Racing
Motor Rallies
Mountain Biking (competition)
Mountain Biking (recreational)
Mountaineering
Mountain Climbing
Off Piste Skiing
Off Road Racing
Open Water Swimming
Orienteering
Outdoor Endurance Events
Out-rigging
Overland Trips
Paddleboarding (stand-up)
Paintballing
Parachute Jumping
Paragliding
Parapenting & Parascending
Performance Driving
Personal Training
Pilots (private & commercial)
Pistol Shooting
Polo
Pony Trekking
Powerboat Racing
Power-lifting
Power Walking
Powered Parachuting
Jetboat Racing
Quad Biking
Race Car Rides |
Rafting
Rally Driving
Rambling
Rap Jumping
Rifle Shooting
Rock Climbing
Rodeo Participants
Rodeo Clowns
Roller Blading
Roller Darby
Roller Hockey
Round the World Yacht Racing
Rowing
Rugby League
Rugby Union
Running
Running of the Bulls
Safari trekking
Sail Boarding
Sailing (racing & competition)
Sand Dune surfing / skiing
Scenic Flights
Scrambling
Sea Canoeing & Sea Kayaking
Search & Rescue Member
Shark Diving & Swimming
Shooting
Sky Diving
Snorkeling
Snow Skiing (all types & styles)
Snow Boarding (freestyle)
Snowblading
Soccer
Solo Climbing
Speed Trials / Time Trials
Speedway
Sports Cars & Supercars
Squash
Steeple Chasing
Stockman
Student Pilots (Learn To Fly)
Stunt Driving
Surfing Surf Rafting
Survival Training
Swimming (open water & enclosed)
Tobogganing
Tramping
Trampolining
Trapeze
Trekking & Extreme Walking
Triathlon
Tug-of-War
Wakeboarding
War Games & Reenactments
Water Polo
Water Skiing
White Water Canoeing & Rafting)
Windsurfing
Wrestling
Yachting (bluewater open water)
Zero Gravity Experience
Zorbing |
Inevitably there will be some activities that we have not included. Please contact us at ofiice@rgib.com.au if you have any questions whatsoever; remember it’s our job to get the right cover for you and besides, if it can done and is some fun, the underwriter will usually always consider it. You can call us on 1300 620 520 in Australia or for International clients please use +612 9466-0000
But please, before making any decision about the suitability of this insurance for your own particular needs make sure you read the policy of insurance which you can view &/or download at the bottom of this page. Or alternatively we can send you one by facsimile.
Our Services
RGIB’ is one of the very few Australian insurance brokerages who actively arrange Mortality Insurance cover for people with extreme lifestyle interests; from the most basic of activates to the most extreme.
We’re passionate about this type of insurance, it’s a whole lot more interesting than just insuring cars and buildings; so we’ll make sure you get the right cover you need at the best possible price and hopefully you’ll come back to us every-time you need this cover and as well recommend your friends.
We usually earn our brokerage from commission paid to us by the Underwriter; depending on the scope of risk you wish to cover, we may also charge a service fee in addition to the commission. We will always let you know if there are any extra costs before we do anything.
