When won’t you pay out?

We won’t pay out if:

You’re still alive (even if you try to fake your own death).
You deliberately lie or withhold information from us at any time
Your death is caused by suicide (this includes all deaths caused by intentional self-inflicted injury)
You die whilst on active military duty (including reserve/voluntary services)
You die doing something on the DeadHappy list of extremely dangerous things (please see below).


We’re concerned with the water variety (not the football type), and specifically related to you being 20m below the surface


If you are just a regular fare paying passenger, other than being dead, you’ll be fine. Any other flying is a problem.


Anything with an engine, or anything on an ocean. Stuff like pigeons, and anything with an egg and a spoon are all OK.


Specifically up mountains, cliff-faces, rocks, and big buildings. Beds are not a problem, bunk-beds are the ones to watch.


The clue is usually in the name on this one, so anything with rapid or wild in it is bad news. Floating on air is classed as flying.


From anything you don’t own, buildings, antennas, span (bridges), and earth (cliffs). It’s pretty base-ic. See what we did there?

in Plan rules
Updates & Legal gumph
Current Version 2.1
  • Added
  • Hey Bowlhead video
  • Updated
  • Lifeline guarantee extended to 10 years.
  • Plan RulesView Rules
  • Improved
  • Life insurance acceptance for mental health issues
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