Hazardous sports are avocations with elevated risk-skydiving, scuba diving, mountaineering, motor racing, backcountry snow sports, and similar activities. Underwriters evaluate frequency,experience, certifications, equipment, and locations. Results may include flat extras, exclusions,waiting periods, or higher tables. Accurate disclosure and documentation of training can materially improve outcomes.

Advisors gather questionnaires and training logs for diving, aviation, or mountaineering. Proper Documentation can move a case from decline to a flat extra or standard with exclusions.