When I took up flying 17 years ago I had pretty heavy financial commitments, school fees, mortgage etc so I rang up all the companies my life was insured with and they all said that as I wasn't, and hadn't anticipated. learning to fly when the policies were taken out many years before, I was fully covered and they assumed the risk.
However, all new policies I took out since learning to fly added a premium for flying.
So I have a travel policy with Traffords and an 'all risk H24' accident insurance with Besso, both of which cover G A flying.
Most of the original policies which were term policies to cover the heavy years have now run their course.
So: ring your insurance companies, tell them you hadn't intended to fly when you originally took out the policies and see what they say.#
If they do agree to continue cover with no additional premium ask them to confirm it in writing.
Cusco