The golden rule on sport is simple – whatever the family does regularly, the policy needs to know about – but the practical question is: what actually counts as “needing to be disclosed”? This self-check filters exactly that out: go through the questions, and whatever gets a yes belongs on your signing-time (or annual-review) list.
- Run the questionnaire for every member of the family – paying special attention to the children.
- A “yes” answer isn't an obstacle – it's information to disclose: most sports can be covered, the insurer just needs to know.
- If in doubt, the rule is: disclose it anyway – an unnecessary disclosure does no harm, a missed one does.
Round 1: how regular is it?
- ☐ Is there a sport someone in the family does weekly or more often?
- ☐ Is there a seasonal but intense sporting habit (a ski week every winter, summer hiking, a sailing season)?
- ☐ Gym, running, swimming regularly? (Typically standard cover – but still part of the picture.)
Round 2: how organised is it?
- ☐ Is there a licensed athlete in the family (with a competition licence, club-registered) – adult or child?
- ☐ Does anyone enter organised competitions even without a licence (running races, amateur leagues, company cups)?
- ☐ Does your child belong to a sports club or sports school? – per the sporty-child article, this needs disclosing separately.
Round 3: the higher-risk sports
- ☐ Combat sports (boxing, wrestling, judo, MMA)?
- ☐ Any form of motorsport – track days included? (The motorcyclist article also covers everyday riding.)
- ☐ Diving, open-water sailing, whitewater sports?
- ☐ Mountaineering, rock climbing, via ferrata, high-altitude trekking?
- ☐ Air sports (paragliding, skydiving, gliding)?
- ☐ Skiing or snowboarding off-piste or in extreme terrain?
- ☐ Horse riding, archery, shooting sports, or any other specialist activity?
Round 4: the borderline cases
- ☐ A new sport in the past year – something that wasn't on the radar at signing? (A reportable change.)
- ☐ Doing sport abroad regularly (training camps, ski trips)? – worth checking your travel-insurance layer too.
- ☐ Commuting daily by sports equipment (bike, scooter, inline skates)?
What to do with the “yeses”
Write them down in a list – that becomes your disclosure package for signing: under the sport levels, products handle them differently, and that's exactly the ground we compete insurers on: we look for the policy where your family's sports are covered, priced-in activities. The list is also perfect preparation for the needs assessment – and it takes a minute to re-run every anniversary.
A question about your own situation? Run the numbers in minutes with the online calculator (in Hungarian), or book a free 20-minute consultation →
