Insurance companies will pay out on life cover claims however bizarre the cause of death as long as the policyholder was not doing anything illegal and all necessary information was disclosed, says Lifesearch.
The firm’s latest research quizzed Bright Grey, Royal Liver and Aegon Scottish Equitable to determine whether they would pay out on claims made after a series of five bizarre incidents of deaths.
One death involved a man who jet-skiied down Niagara Falls. He planned to jump away from the jet-ski on the way down, landing safely at the bottom but forgot to attach a parachute to his body.
Another incident involved a man who tried to remove a beehive from his backyard with a plastic bag tied around his head but suffocated before he reached the hive.
All three insurance providers said they would pay out in both cases.
Lifesearch policy adviser Matt Morris says: “As long as there is no non-disclosure or participation in a criminal act the five cases of accidental death would pay out, regardless of the obvious danger or foolishness of the person’s behaviour.
“If you decide to get up one day and do something incredibly dangerous or dumb, you are still covered. This goes to show that life offices do pay out in the vast majority of cases even in situations where you may at first think they wouldn’t.”