Would driving recklessly on a motorcycle void my life insurance policy?

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Asked March 25, 2013

1 Answer


Driving recklessly on a motorcycle would generally not void your life insurance policy, as life insurance policies do not typically include exclusions for injuries sustained while engaging in risky activities or hobbies. However, if you were to die as a result of driving recklessly on a motorcycle, your life insurance claim could be denied if the insurance company determines that you made a misrepresentation on your application or engaged in fraud. When applying for life insurance, you are typically required to disclose any high-risk activities or hobbies that you participate in, including motorcycle riding. If you fail to disclose your motorcycle riding or misrepresent your level of experience or use of safety equipment, such as helmets, the insurance company could potentially deny a claim if you were to die as a result of a motorcycle accident. Additionally, if you engage in particularly dangerous behavior, such as participating in illegal street racing or driving under the influence, this could also result in a denial of coverage or claim. Insurance companies typically reserve the right to deny claims if the policyholder engages in illegal activities or engages in behavior that demonstrates a disregard for their own safety. It's important to note that each life insurance policy is unique and may have different terms and conditions. If you have concerns about whether your life insurance policy would cover you in the event of an accident or injury related to motorcycle riding, it's important to review your policy and speak with your insurance agent or company directly.

Answered March 25, 2013 by Anonymous

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