When you practice a sport activity you are more easily subject to accidents. It is important to take all necessary precautions and make sure in case of a hard blow. But whether in a club or at leisure, individually or collectively, not all sports are treated in the same way by insurers. Indeed, some sports, considered very dangerous, are difficult to provide. Discover the top 10 sports least insured in France.
The mountain is a hostile place for man, it is important not to forget it. Faced with this strength of nature humility remains the golden rule not to make the dream turn into a nightmare …
Practiced most generally in winter, this sport seems to be the one that records the most deaths. Experienced or not, the practitioner can not control the elements and is often victim of weather conditions that can change from hour to hour.
According to ANENA 1 (National Association for the Study of Snow and Avalanches), 45 accidental avalanches were recorded during the 2015-2016 season, resulting in 21 dead and 40 wounded. This is much less than the previous season when 59 avalanches had killed 45 people.
2. Jumping base and other air sports (paragliding, wingsuit, ULM, …):
Increasingly accessible, air sports represent a real headache for insurance companies.
Initiates, sometimes poorly prepared, do not hesitate to take reckless risks to get a maximum of thrills. Lack of training, speed and poor preparation are the main causes of incidents in this type of sport.
The Base Jump mortality rate is 47% , which means that for every 100 injured, 47 deaths are recorded. In ULM, this index is 38% 2 . In 2010, only the ULM represents 9% of deaths related to sport.
3. Diving and other water sports (snorkeling, surfing, …):
There are many sports to practice across the oceans and these are becoming increasingly accessible to vacationers and tourists alike.
Appearingly calm, these sports are nevertheless subject to many aggravating factors such as weather conditions, marine animals, currents or reefs. The conditions can quickly change from one hour to another, so it is advisable to remain vigilant and to respect the safety instructions.
If you have a reduced physical condition, it is not recommended to practice this type of sport.
According to the InVS 3 (Health Watch Institute), 50 people died during the practice of water sports in 2010 , including 23 during diving accidents. You understand better why they are less well insured.
4. Kayaking and sport fishing:
Are you wondering why these two are together? Well, you know they have some things in common, especially in terms of dangers. Both are subject to the sea currents that in this kind of practice, can quickly become dangerous.
Drowning is not to be taken lightly, and for proof: in 2010, 10 drowning deaths were linked … to fishing 4 ! What to make think.
5. Hiking / skiing:
No stroll is innocuous, the mountain remains a hostile place that must be feared and respected … An error of orientation, a difficult passage, just a little to sometimes run great risks.
Often on less developed areas, the arrival of relief is more difficult and therefore more expensive and that is why since 2002, the municipalities can require a contribution to the expenses of rescued.
In 1999, the rescue of 3 hikers in the Vanoise massif (in Savoie) had cost 300 000 francs, or 45 734 €! In these situations it is better to have good insurance!
Are you surprised to see riding in this ranking? There is really nothing. A sport practiced with another living being that is in the 500 kg can quickly become dangerous. The horse, whose mass and strength are much greater than that of the human being, can sometimes have violent reactions that are difficult to control.
Although most falls may be innocuous, some can cause severe fractures or even death. 11 deaths in 2007 , the “black” year of world riding.
7. Combat sports:
Violent sports like boxing or MMA are gaining popularity and membership year after year. But practitioners expose themselves to significant risks that can have a long-term impact on their health. Several disciplines are singled out by specialists for the trauma they can cause during and after a career.
From behavioral disorder to depression, to Alzheimer’s, several controversies have emerged in recent years, making these sports a little more difficult to ensure.
8. Freeride skiing:
The mountain comes to remind us once again how dangerous it is. This time it’s the freeride skiing we’re talking about. In this practice, freeriders risk their lives on the steepest slopes in the world. Although each descent is painstakingly prepared, the slightest mistake can be fatal.
Although this discipline is only accessible to a small number of us, it still has many deaths each year, and therefore needs to be well insured.
9. Motor sports (cars and motorcycles):
As on the roads, motorized vehicles also represent a danger on circuit. Speed can make accidents particularly spectacular and dangerous. It only takes one accident to suffer the consequences for a lifetime. That’s why these sports are not taken lightly by insurance companies.
10. The cliff diving:
A diving board 27 meters high, 3 seconds of freefall, a multitude of spectacular figures: these are the ingredients of cliff diving. These divers of the extreme do not hesitate to challenge gravity in breathtaking championships.
But of course, at this height, the water can seem as hard as concrete and the slightest mistake can be serious, even deadly.
Although accidents are rare, unfortunate people rarely do without the consequences.