When assessing your application, we consider various personal and lifestyle factors, including the sports and hazardous activities you engage in, and whether they are for recreation or performed professionally. Certain recreational sports and activities, such as soccer or football, may be covered without amendment or may require a higher premium rate (called a 'premium loading') to be charged. Alternatively, we might apply a longer waiting period on your policy for claims from injuries sustained while participating in that specific sport or activity. We will inform you of any loadings or amendments before you decide to purchase cover, and the impact these options have on your premium.