Why is it relevant to my application whether or not I drive a motorcycle, go diving, racing, parachuting, etc.?
Basically, we need to know if you’re doing dangerous things because they indicate the likelihood of future claims.
Dangerous activities like driving a motorcycle, going diving, racing, etc. are risk factors, and a risk factor is an indicator of claims. We use these to determine whether we can actually offer you insurance, and if we can, how much it will cost.