Can I get Life Insurance for hazardous sports?

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Life, Income Protection &
Critical Illness Cover
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If you participate in hazardous sports and are concerned about providing for a family, meeting mortgage payments or bills should an accident (or worse) happen please speak to a specialist at Sports Financial Services today.

We’ll be happy to discuss the financial protection options available for your lifestyle.

We have a great deal of experience helping those who enjoy hazardous sports. We were originally founded, over 20 years ago, as Summit Financial Services to meet the needs of climbers, hillwalkers and mountaineers. As we engaged with an increasing number of people who enjoyed the outdoors, we received more enquiries from people who participated in a wide range of other outdoor sports.

In turn, this led to the creation of Sports Financial Services to offer financial protection for a wide range of extreme or hazardous sports.

Hazardous sports insurance company

As extreme and hazardous sports specialists we work with you to investigate what cover is available to suit your needs.

Contact us today to discuss your needs and the options available in relation to your specific sporting interests, for example:

Air / sky sports

  • Gliding / powered gliding
  • Hang-gliding
  • Light aircraft piloting
  • Microlight flying
  • Paragliding / parascending
  • Parachuting / skydiving


  • Field sports
  • Modern pentathlon
  • Running
  • Triathlon

Caving / potholing / gorges

  • Canyoning
  • Caving


  • Adventure touring
  • BMX
  • Cross country cycling
  • Cycle touring
  • Cycling
  • Mountain biking
  • Road cycling
  • Track cycling


  • Cave diving
  • Scuba diving
  • Wreck exploration

Equine / equestrian

  • Horse riding



Martial arts /combat sports

  • Fencing
  • Judo
  • Karate
  • Taekwondo
  • Wrestling


  • Beach racing
  • Cross country
  • Endurance Racing / enduro
  • Motocross
  • MotoGP
  • Road Racing
  • Scrambling
  • Supercross
  • Superbike racing
  • Supermoto
  • Track racing


  • Carting
  • Formula series
  • Production car racing
  • Rallying
  • Sports car racing
  • Stock car racing
  • Touring car racing


  • Alpine climbing
  • Scottish winter climbing
  • Sport climbing
  • Greater ranges climbing

Rock climbing

  • Abseiling
  • Bouldering
  • Coasteering
  • Deep water soloing
  • Indoor climbing
  • Ice climbing
  • Lead climbing
  • Sport climbing
  • Via ferrata


  • Adventure racing
  • Adventure running
  • Fell running
  • Marathon running
  • Mountain running
  • Orienteering
  • Ultra-distance running


  • Cross country skiing
  • Piste skiing
  • Ski touring
  • Ski mountaineering
  • Winter sports
  • Target sports
  • Archery
  • Shooting

Team sports

  • Baseball
  • Basketball
  • Football
  • Hockey
  • Rowing
  • Rugby
  • Track and field
  • Volleyball

Walking – hill / mountain

  • Backpacking / camping
  • Hillwalking
  • Mountain walking
  • Scrambling
  • Trekking


  • Canoeing
  • Canoe slalom
  • Canoe sprint
  • Diving
  • Kayaking (e.g., white water, surf, sea, touring)
  • Paddle boarding
  • Rowing
  • Sailing
  • Surfing
  • Swimming
  • Water polo
  • Yachting


However, don’t worry if you don’t see your activity above. Because we specialise you can speak to us about cover for a wide range of extreme sports – just contact us to discuss your needs with one of our experts.

Life Insurance options for hazardous sports participants

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

Hazardous sports: how do I find out more about insurance cover?

As a hazardous sport and hazardous occupation specialist, we have developed knowledge and experience in providing financial protection for recreation and occupation.

Broadly, we specialise in three types of cover:

  • Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
  • Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
  • Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us.

Depending on the specifics of your occupation or recreation there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market rather than being restricted to a captive or select number of financial products or services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Hazardous sports – frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

Our regular engagement with people who participate in many hazardous sports and occupations means that we are happy to discuss a range of questions, such as:

  • Do I incur premium loadings because of my sporting activities?
  • Are there any restrictions to policies because of my hazardous sport?
  • Can I obtain Life Insurance because of my recreation, occupation and lifestyle?
  • Is Critical Illness Cover available for my sport?
  • Because of my sporting activities can I obtain Income Protection?

What is the process of applying for Life Insurance for participants in hazardous sports?

If you enquire about cover with us, we will discuss a number of details in relation to you, your sport and your lifestyle.

As with any enquiry for this type of cover it is important that you declare information about your sports, occupation, lifestyle, pre-existing medical conditions, activities and other questions completely.

This will assist us in guiding you through the journey of applying for cover:

  • A fact-find of your needs – discovering what you do and your particular needs
  • Researching providers of cover and the availability of cover for the type of sport you participate
  • Contacting and liaising with insurers
  • Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed
  • Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

Can you still help me if I already have Life Insurance, Income Protection or Critical Illness policy in place for my sport?

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

If you have been declined Life Insurance cover previously it does not mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.

Next steps: what can I expect when I make an enquiry about cover for a hazardous sport?

You can be assured that the team at Sports Financial Services take pride in providing you with:

  • Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your sport or occupation and the options available to you
  • Experienced advisers in hazardous pursuits, extreme sports and hazardous occupations
    Personal service and a quick response to your questions
  • A Financial Conduct Authority (FCA) authorised company
  • An easy application process conducted around your life and at contact times that suit you

If you would like to find out more about the benefits of cover for hazardous pursuits or occupations then please call and speak to an experienced adviser today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

As hazardous, extreme and adventure sport specialists we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs.