We know you love a good teeth-chattering, adrenaline-blasting pastime but it can help to know what pastimes are actually considered risky – even if it is just to prepare yourself to pay more.Abseiling and rock climbing can be considered risky.Although if you are an indoor rock climber, you know, one of those artificial environments that are surrounded by professionals with health and safety training. You’re unlikely to be considered any kind of early death risk for that.But if you get your kicks climbing the cliffs of Moher – then it is likely the insurance provider will think you are a few shades of crazy and bump you up the risk list.Some other risky pastimes includeCave divingBear baitingPrivate Flying ( airline pilots are grand)JoyridingScuba divingTexting while drivingExtreme sportsAnswering yes to “does my bum look big in this”Trans-ocean sailingHang glidingOpen water swimmingParachutingSkiingWhite-water kayakingThis is just a really small list but it gives you an idea.Obviously, if you only go hang gliding once as a random excursion on your Spanish holiday, you’re not going to be penalised but if you are a regular weekend hang glider, it could be considered a risk.Put simply, the more often you engage in hazardous pastimes the higher risk you are.As those crooning men from Wales, Stereophonics aptly put itThey say the more you fly, the more you risk your life