If you’re looking for car rally life insurance, you may have already found that standard providers don’t always understand the risks involved in motorsport. Whether you take part competitively or recreationally, finding the right cover can feel more complicated than it should be.
We specialise in helping individuals involved in high-risk activities secure suitable protection. From occasional rally drivers to those more actively involved in motorsport, we can help you find cover that protects your family without unnecessary complications.
Fill in the form below or call 0345 565 0935 to get a tailored quote from a specialist.
We are a team of top insurance experts for people who take part in extreme sports or dangerous hobbies such as car rally life insurance or all other forms of motor sports. It can cause issues when applying for cover if you take part in any form of motor racing purely because of the potential risks involved with any of these types of activity and especially for those who take part in competitive car rallies or motor sports, or who may also require motor sports life insurance more broadly.
If you need car rally life insurance to protect your family or your home then you should know that there could be an impact on the premiums that you pay for cover or on the types of cover that may be available to you. In most cases when applying for car rally life insurance you should find that this type of protection should be available readily from most mainstream insurance companies and often premiums will not be impacted.
Our team of insurance experts has helped thousands of people with dangerous sports or hobbies to get covered so that their families are protected in the event of anything happening to them. You should find that car rally life insurance premiums can vary from one insurance provider to another depending on their underwriting criteria and whether they have experienced any adverse claims history.
Some of the main considerations for Car Rally life insurance applications are:
- Which type of cars do you drive (e.g. engine cc)
- Do you take part in any form of competitive car rallying
- Where do you travel to for your sport
- Do you hold any professional qualifications
In most cases where the sport is for recreational purposes or if the events are one off events then you should find that Car Rally life insurance will be available at the same rates as anyone with no additional risk factors. It is however possible that you could pay more for cover based on whether you take part in competitions especially as this is considered to be more high risk.
There are a number of possible issues when applying for Car Rally life insurance which could also have an impact on the type of cover that may be available to you. Policy options such as total and permanent disability may not be available for people who take part in car rallying or other motor sports.
The three main criteria for pricing of Car Rally life insurance will be similar to any other standard cover which will be:
- How much cover do you need and what is the cover for
- What is the length of time would you like to take your cover over
- Which type of Car Rally life insurance are you looking for
Your premiums for Car Rally life insurance will be based on the standard factors which will then be assessed based on several additional other factors which will be based on health, lifestyle and medical conditions.
You will be required to complete a questionnaire or application form when you proceed to apply for cover and this will consider:
- Are you a smoker or have you used any nicotine products in the past 12 months
- What is your height and weight (body mass index)
- How much alcohol do you drink on average each week
- Have you been diagnosed with a pre-existing medical condition
- Is your job classed as dangerous
This is particularly important if your situation involves additional complexities, such as applying for pre-existing condition life insurance, where medical history plays a key role in underwriting.
Get Your Car Rally Life Insurance Quote Today
If you take part in car rallying, getting the right cover doesn’t have to be complicated. Our specialists understand the risks involved and can help you find a policy that’s tailored to your lifestyle.
Whether you compete regularly or take part occasionally, or your work means you also need occupational life insurance, we’ll guide you through your options and match you with the right provider.
Call us on 0345 565 0935 or complete the form above to get your personalised quote today.
Frequently Asked Questions
Can I get life insurance if I take part in car rallying?
Yes, in most cases you can still get cover. The terms will depend on whether you take part recreationally or competitively, as well as other personal and lifestyle factors.
Will car rallying increase my insurance premiums?
It can do, particularly if you compete regularly. However, some insurers offer standard rates depending on your level of involvement, which is why working with a specialist is important.
Do I need to declare car rallying on my application?
Yes, you should always disclose any high-risk hobbies. Not declaring this information could affect the validity of your policy.