Category: Occupations

Life Insurance for Construction Workers

Posted on by Eve
life insurance for construction workers

There are a variety of options available for construction workers who want to provide for their family, protect mortgage payments or bills should an accident happen whilst engaged in construction activities. Construction work spans a number of different industries and activities and each brings a different set of risks. 

Depending on the nature of the construction work and the risks involved certain exclusions or restrictions may apply to certain types of financial protection for construction workers. When you enquire your specialist adviser will discuss the cover options available to you based on your construction work activities.

Each enquiry for financial protection is individual and we will discuss the risks involved in your lifestyle and construction work activities. This may involve a discussion of factors that span your lifestyle, work and any qualifications relevant to your industry. 

Different providers of cover my ask additional questions relating to an enquiry for life insurance for construction workers, examples of some of the questions they may ask are:

• What is your role in the construction industry?
• In which construction sector or industry do you work?
• What type of construction activities do you participate in?
• Do you work at heights and to what height?
• Do you use any dangerous equipment, machinery or chemicals?
• Are your construction activities limited to the UK or do you work overseas?
• Do you undertake construction work offshore?
• How many hours are you engaged in construction work vs office-based hours?
• What is your income (for Income Protection Cover)?

Construction workers may be looking for cover because of the hazardous nature of their activities. We will want to discuss the types of activities you are involved in as part of your enquiry about construction worker insurance cover. 

Construction roles are varied with some carrying more risks than others. Examples of some of the types of construction activities you will want to discuss with us include:

• Air conditioning work
• Brick laying
• Building
• Carpentry
• Commercial building
• Concrete work
• Drainage
• Electrical work
• Excavation
• Flooring
• Heating
• Insulation
• Landscaping
• Paving
• Painting
• Plastering
• Plumbing
• Roofing
• Security
• Scaffolding
• Window fitting

Whatever your role in the construction industry please feel free to contact us today to discuss your financial protection needs and the options available to you.

Critical Illness Cover for Construction Workers:

Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in construction work and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of construction activities will be assessed differently. 

Cover for some construction activities may be offered at standard rates with no special terms imposed whilst participation in other construction activities may result in premium loadings, special terms, restrictions or exclusions. Your occupations specialist at Sports Financial Services will talk you through the options available to you. 

Income Protection for Construction Workers:

Another important cover to consider is income protection, particularly if you take part in hazardous activities like construction work. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. 

If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.  

Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of your construction worker activities and whether they have caused you to have a significant amount of time off work. 

Again, like critical illness cover, participation in some construction activities may result in premium loadings, restrictions or exclusions. When you make an enquiry for construction worker life insurance your adviser at Sports Financial Services will discuss your needs and the options available to you.


Life Insurance for Farmers: Everything You Need to Know

Posted on by Eve
life insurance for farmers

For more than twenty years, we’ve been supporting individuals engaged in risky sports and occupations. Feel free to discuss farmers’ life insurance with us. Certain farming activities pose elevated risks, given the regular exposure to dangerous machinery, hazardous chemicals, animals, work at heights, and large storage environments.

In addition, farmers are exposed to the effects of bad weather, handling heavy loads, noise and dust. Being based onsite risks can also extend to include family members working at the farm and children living at the farm.

Agricultural work can also place physical demands on a farmer due to the manual nature of work and long days. The heavy, repetitive nature of farming work may result in a range of health problems, for example, back pain.

Due to the nature of farming and its associated risks, this may lead to increased premiums. Your personal adviser will discuss the nature of your farming activities and lifestyle when we discuss your financial protection needs. We will discuss a number of questions to understand you and the type of cover you require. 

Examples of the type of questions we ask are:

  • What type of farming activities do you participate in?
  • Are you involved with any livestock and what type?
  • Do you use heavy machinery?
  • Do you work at heights?
  • How many hours do spend a day working on the farm?

Farming can be a varied occupation. The risks that come with being an agricultural farmer may be different from farmers who work dairy farming. This can be due to one operating heavy machinery and the other leading cows to pasture. 

Examples of the types of injuries farmers could face include:

  • Accidents resulting from falls, slips or trips
  • Being struck by moving machinery or animals
  • Falls whilst working at a height
  • Crush injuries from working in storage or warehousing environments with heavy items or stored produce

Some farmers may face increased premiums, due to the risks involved in their particular day-to-day activities. Your personal adviser will discuss your farming activities, health and lifestyle to understand you and your farming activities.  

In addition to life insurance for farmers, you may also want to discuss the availability of other financial protection options. These may include mortgage protection cover for farmers and critical illness cover for farmers.  

Life insurance for Farmers with Sports Financial Services

We are a team of hazardous sports and occupations specialists and we have many years of experience working with people who enjoy hazardous pursuits and hazardous occupations.

We know how important it is to find the right insurance, that best suits your needs. So, if you are a farmer looking for life insurance or other forms of financial protection, please speak to our team of specialist advisers today.

Life Insurance For Farmers FAQs

What age should you get life insurance?

Life insurance is typically recommended for adults who have dependents or financial obligations, such as a mortgage or family to support. While there’s no specific age that fits everyone, it’s advisable to consider life insurance in your 20s or 30s when you’re likely healthier and premiums are lower. However, individual circumstances vary, so it’s best to assess your financial responsibilities and consult with a professional to determine the most appropriate time for you to secure life insurance.

What is the average cost of life insurance per month UK?

Sports Financial Services offers life insurance for farmers at a monthly rate of £18.70, though the actual cost may fluctuate based on factors such as your age, health, and the specific coverage requirements.

Can I get Life Insurance for rope access and IRATA work?

Posted on by sf_admin

Sports Financial Services has developed an expertise in providing financial protection for a wide range of hazardous sports and hazardous occupations.

We were originally founded, over 20 years ago, as Summit Financial Services (www.summit-fs.co.uk) to provide Life Insurance for climbers, hillwalkers and mountaineers. Over time a number of climbers approached us to discuss their need for cover for their occupational activities including rope access work.

Such interaction with those who engage in hazardous occupations and hazardous recreational pursuits has allowed us to develop our specialist knowledge of extreme sports and extreme occupations.

As rope access work involves working at heights this presents a number of risks that may mean certain exclusions or restrictions may apply to certain types of financial protection. To discuss the options available for industrial rope access technicians who want to provide for a family, protect mortgage payments or bills should an accident happen please contact us today.

Insurance company for rope access and IRATA work

As hazardous occupation and recreation specialist we work with you to investigate what cover is available to suit your needs.

Our experience of assisting those who work at height means that we are happy to discuss cover for rope access work.

Contact us today to discuss your needs, your rope access work and the sector, industry and environment in which you operate, for example:

Sector

  • Energy, power, mechanical, chemical, petrochemical, renewables or green energy
  • Marine, ship and harbour
  • Off shore oil and gas
  • On shore oil and gas

Industry

  • Building
  • Cleaning
  • Commercial window cleaning
  • Construction work
  • Glaziers
  • Inspection / testing
  • Offshore work
  • Painting
  • Rigging
  • Surveying
  • Tree surgery
  • Window cleaning
  • Wind turbines and wind energy

Environment

  • Natural environment
  • Industrial structures
  • Commercial built environment (e.g., sports stadiums, tourist attractions)
  • Residential housing, buildings and construction
  • Infrastructure (e.g., airports, bridges, dams)
  • Don’t worry if you don’t see your activity above. Because we specialise you can speak to us about cover options for a wide array of hazardous occupational activities – just contact us to discuss your needs with one of our experts.

Life Insurance options for rope access work

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.

How do I find out more about rope access and IRATA work insurance cover?

As an extreme sport and extreme occupation specialist, we have developed knowledge and experience in offering financial protection.

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 an occupation 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.

Rope access and IRATA insurance – some 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 rope access activities?
  • Are there any restrictions to policies because of the activities I pursue?
  • Can I obtain Life Insurance because of my sports, occupation and lifestyle?
  • Is Critical Illness Cover available for my occupation?
  • Because of my occupational activities can I obtain Income Protection?

What is the process of applying for Life Insurance for rope access and IRATA workers?

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

As with any enquiry for this type of cover it is important that you declare information about your occupation, lifestyle, pre-existing medical conditions, hazardous 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 rope access / IRATA you pursue
  • Contacting and liaising with insurers
  • Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed (e.g., your health or working at height)
  • 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.

What types of questions will I be asked when applying for rope access work Life Insurance?

We will start with a personal discussion about you to ascertain your needs and understand various aspect of your work at heights, such as:

  • Lifestyle (e.g., alcohol consumption, exercise and smoking)
  • Health, well-being and any pre-existing medical conditions
  • Current employment, job title or occupation
  • Employment location (e.g., UK, Europe and/or worldwide)
  • Height (ft/cm)
  • Weight (lb/kg)

Different providers of cover may ask additional questions relating to you rope access work, such as:

  • Sector or industry in which you work
  • Type of rope access activities in which you participate
  • Typical / maximum working heights
  • Hours per week spent working at height
  • Hours based outdoors vs office-based hours
  • Professional body membership, training and qualifications (e.g., IRATA level 1,2,3)
  • Work in hazardous environments with additional hazards (e.g., offshore, dangerous countries)
  • Location of work (e.g., UK, Europe or Worldwide)
  • Percentage of time working offshore vs. onshore
  • Any use of dangerous equipment, machinery or chemicals
  • Current income (for an enquiry for Income Protection)

In addition, as part of your enquiry, we will also discuss with you the duration of cover and amounts required, including:

  • The amount of financial protection you require (£)
  • The length of policy you require (number of years years)
  • The type of policy you require (e.g., increasing, decreasing or level term)

A combination of your activities, lifestyle, personal health, recreation, occupation and other factors, such as those detailed above, will assist in the determination the options that will be available to you and the associated premiums.

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

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.

What if I run a business but undertake hazardous work or sports?

For those who operate a Limited Company or operate at Director level then you may want to consider discussing different cover options with us, such as Key Person Insurance, Relevant Life Insurance or Shareholder Protection.

Next steps: what can I expect when I make an enquiry about cover for rope access or IRATA work?

You can be assured that the team at Sports Financial Services take pride in providing those who enjoy hazardous pursuits 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 a hazardous, extreme and adventure sport specialist we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs.

 

Life Insurance for outdoor instructors

Posted on by sf_admin

If you lead groups in the outdoors 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 were originally founded, over 20 years ago, as Summit Financial Services to meet the financial protection needs of climbers, hillwalkers and mountaineers. We still operate as Summit Financial Services (www.summit-fs.co.uk) with Sports Financial Services representing an even wider range of outdoor sports.

Insurance company for outdoor instructors

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

Whether you are a member of the Mountain Training Association, Association of Mountaineering Instructors, British Association of International Mountain Leaders or British Mountain Guides we’ll be happy to discuss your needs.

Contact us today to discuss your requirements and the options available in relation to your work as an outdoor instructor and your qualification level, for example:

  1. Indoor Climbing Assistant
  2. Climbing Wall Instructor
  3. Rock Climbing Instructor
  4. Climbing Wall Development Instructor
  5. Foundation Coach
  6. Development Coach
  7. Lowland Leader Award
  8. Hill and Moorland Leader Award
  9. Mountain Leader Award
  10. Winter Mountain Leader Award
  11. International Mountain Leader
  12. Mountaineering and Climbing Instructor
  13. Winter Mountaineering and Climbing Instructor
  14. IFMGA Mountain Guide

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

Life Insurance options for outdoor instructors

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.

Outdoor instructors: how do I find out more about insurance cover?

As an extreme sport and extreme occupation specialist, we have developed knowledge and experience in providing financial protection for those who engage recreationally and occupationally in outdoor sports.

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.

Outdoor instructors – 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 extreme sports and occupations means that we are happy to discuss a range of questions, such as:

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

What is the process of applying for Life Insurance for outdoor instructors?

If you enquire about cover with us, we will discuss a number of details in relation to you, your occupation, 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, hazardous 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?

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 outdoor instructors?

You can be assured that the team at Sports Financial Services take pride in providing those who enjoy hazardous pursuits 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.

Can I get Life Insurance for hazardous occupations?

Posted on by sf_admin

Do you have a hazardous occupation and are concerned about providing for a family, meeting mortgage payments or bills should an accident (or worse) happen?

Sports Financial Services 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.

Over time this led to the creation of Sports Financial Services to offer financial protection for a wide range of extreme sports. In turn, as this service developed, we discovered a need for extreme occupational cover for a number of people who carried their extreme recreational pursuits into challenging occupations.

Hazardous occupations insurance company

As extreme and hazardous sports and occupation 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 hazardous occupation.

Hazardous occupations arise in many industries, for example:

Agriculture / farming

  • Agricultural mechanic
  • Farmer
  • Vet

Building, construction & trades

  • Bricklayer
  • Brick / stone mason
  • Builder
  • Building maintenance
  • Electrician
  • Excavator
  • Heating and ventilation technician
  • Plumber
  • Roofer
  • Scaffolder

Emergency services

  • Doctor
  • Fireman/woman
  • Nurse
  • Paramedic
  • Police

Fishing

  • Trawlerman

Gardening / Forestry

  • Forestry
  • Gardeners
  • Ground maintenance workers
  • Landscapers
  • Logging
  • Tree surgeon

Industry

  • Iron / steel worker
  • Miners
  • Refuse and recycling worker

Military

  • Soldier
  • Sailor
  • Royal Air Force

Offshore workers

  • Oil workers
  • Gas workers

Transportation

  • Aircraft pilot
  • Boat captain & crew
  • Bus driver
  • Delivery driver
  • Mechanic
  • Taxi driver
  • Truck / HGV driver

Working at height

  • Rope access / IRATA

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

Life Insurance options for hazardous occupations

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 occupations: how do I find out more about insurance cover?

As an extreme sport and occupation specialist, we have developed knowledge and experience in providing financial protection for those who engage in hazardous activities.

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 occupations – 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 extreme sports and occupations means that we are happy to discuss a range of questions, such as:

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

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

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

As with any enquiry for this type of cover it is important that you declare information about your recreational activities, occupation, lifestyle, pre-existing medical conditions, hazardous 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 occupation in which you engage
  • 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 occupational 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 occupation?

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 hazardous occupations?

You can be assured that the team at Sports Financial Services take pride in providing those who enjoy hazardous pursuits with:

  • Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your 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.

Life insurance and accident insurance for AMCA members

Posted on by sf_admin

If you enjoy motocross, scrambles, trials, enduro or beach racing and are looking for financial protection then contact the team at Sports Financial Services today.

Sports Financial Services has recently started more promotional work with the AMCA and you will find our advert on the back of their membership card, in race programmes and on their website.

If you are a member of the Amateur Motor Cycle Association (AMCA) we will be happy to hear from you and discuss your needs.

Who are the AMCA?

The Amateur Motor Cycle Association (AMCA) was established in 1932 in the West Midlands and plays a key role in the development and promotion of off-road motorcycling. They represent riders of all ages and skills who competing in the modern and classic versions of the sport.

What is Motocross, Scrambles, Trials, Enduro and Beach racing?

Motocross typically takes place on off road circuits and developed from off road trials to an activity based on the fastest to finish.

Scrambles – classic scrambling is the foundation of what motocross used to be.

Trials is more technical in nature with riders facing the challenge of difficult land or obstacles. Riders require high skill to avoid touching their feet down (which incurs penalty points).

Enduro can span short course vents to longer international events that cover several thousand miles and cross different countries.

Beach racing – as the name suggests these that place on beaches and can include races for solo’s, quads and sidecars.

Why choose Sports Financial Services?

We were originally founded as Summit Financial Services (over 20 years ago) to cater for the needs of climbers, mountaineers and other extreme sports people. Since then, we have developed a great deal of experience providing cover for those who enjoy hazardous sports.

Through time we have grown a specific focus in providing cover for a wide range of extreme sports and related occupations.

So, if you are looking to discuss financial protection cover for motorcycle sport then contact our team of specialist sports advisers to find out more.

Accident insurance for motorcycle racing

If you enjoy the challenge of motorcycle events and are looking for a lump sum to be paid following an accident or natural death then you may want to consider chatting to us about life insurance.

A further type of cover that is often enquired about is Critical Illness Cover which could help to support the insured and their loved ones financially in the event of being diagnosed with a particular medical condition.

If you are you concerned about financial peace of mind should an accident happen whilst enjoying your sport then contact us today to discuss your needs.

Common types of risks for those who race motorcycles

Here at Sports Financial Services we understand that your insurance risk can vary depending on a number of factors associated with your competitive riding such as your type of racing, engine size, frequency of participation, amateur or professional status.

Whatever your type of racing or level of participation we are happy to discuss your individual motorcycling needs with you.

Motorcycle sport insurance company

A number of financial protection options are available for those who enjoy participating in motorcycling events and who may want to provide for loved ones, meet mortgage payments or bills should an accident (or worse) happen.

Each enquiry is handled by an individual specialist adviser at Sports Financial Services and they will discuss your options in relation to you, your lifestyle and your sporting activities.

Life Insurance company for your motorcycle racing

You can speak to Sports Financial Services about cover for hazardous sports and occupations.

We are happy to discuss the availability of different types of financial protection, such as:

  • Life Insurance
  • Mortgage Protection
  • Critical Illness Cover
  • Income Protection

Also, if you maintain a healthy lifestyle and regular fitness plan for your activities, you can also speak to us about policies that reward you for keeping fit and healthy.

Best cover for motorcycle racing

Even if you have financial protection in place elsewhere, Sports Financial Services will be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products for your participation in motorcycling events.

Do you have any questions about cover for Motocross, Scrambles, Trials, Enduro and Beach racing?

If you have any specific questions about cover for your participation in motor cycle sports (or any other sporting activities) then please call 0345 565 0935 to discover the best deal we can offer you for your sporting activities.

We are happy to discuss a range of questions, such as:

  • Are there any premium loadings for my motorcycling sport?
  • Can I obtain Life Insurance if I participate in motorcycling?
  • Is Critical Illness Cover available to me?
  • Can I obtain Income Protection for my activities?
  • Can I get Health Insurance or Private Medical Insurance for my sport?
  • What is the process to apply for cover for my motorcycle sport?

When you enquire about cover with us, we will take into consideration a number of factors relating to your motorcycling and lifestyle.

As with any application for financial services it is important that you declare your work, lifestyle, medical and other questions completely.

Some typical questions, that relate to your enquiry for cover, may include your:

  • Health history & lifestyle (for example: smoking or alcohol consumption)
  • Height
  • Weight (lb/kg)
  • Age
  • Health background

More specifically, other occupational and sport related questions may include (where relevant) your:

  • Current employment / occupation
  • Type of motorcycle sport participation
  • Where you race (e.g. road, track, cross country, beach, grass, circuit)
  • Type of bike you race
  • Size of bike engine / engine capacity (cc)
  • Frequency of racing and participation in competitions
  • Type of participation (recreation, amateur or professional)
  • Type of licence, background and experience
  • Sports governing body membership (e.g. Amateur Motor Cycle Association AMCA)
  • Location of racing activities (UK and/or international)
  • Income (for income protection)

As part of your enquiry for motorcycle racing, we will also discuss the amount and duration of cover you require, for example:

  • The amount of financial protection you require (£)
  • The duration of the policy you require (number of years)
  • The type of policy you require (e.g. decreasing or level term)

A combination of your activities, lifestyle, personal health, occupation and other factors, such as those detailed above, will assist in the determining the options that will be available to you and the associated premiums.

Specialist insurance information for those who enjoy motorcycling

Even if you have a policy in place elsewhere for your sport, we will still be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

How to make an enquiry for cover for your motorcycle sport

At Sports Financial Services we pride ourselves on providing you with:

  • Personal and confidential advice
  • Experienced advisers in hazardous sports and hazardous occupations
  • Personal service and a quick response to your questions
  • A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

As a hazardous sport specialist, we exist to help those who enjoy extreme and hazardous sports to find cover that is suitable for their needs.

If you would like to find out more about the benefits of financial protection for a whole range of motorcycle sports or other sports or hazardous occupations then please contact Sports Financial Services today on 0345 565 0935.

Or, to enquire online, please click the link above.

Motorsports Insurance

Posted on by sf_admin
motorsports insurance

Motorsports Insurance: Life Insurance, Income Protection & Critical Illness Cover

At Sports Financial Services, we specialise in addressing inquiries regarding Life Insurance, Income Protection, or Critical Illness Cover tailored for various motorsports. With our extensive experience, we’ve developed expertise in providing protection for a wide range of hazardous sports and occupations. As specialists in sports-related financial services, we’re uniquely positioned to work with you, exploring tailored options to safeguard your involvement in motorsport.

For your quick summary, if you are looking for a lump sum of money to be paid following an accident or natural death then you may want to consider talking to us about Life Insurance. Alternatively, if you are concerned that an accident may leave you unable to work for a while then an Income Protection policy may be another choice for you discuss with us.

In addition, you may also want to chat with us about the availability of Critical Illness Cover for your particular sport. This type of cover is usually purchased to help to support you and your loved ones financially in the event of being diagnosed with a specific medical condition.

Whether you enjoy competing on the UK race circuit as a hobby, or are a professional on the international circuit, then please call or click the link above to enquire about cover for your specific needs.

Why choose Sports Financial Services?

We were originally founded as Summit Financial Services (over 20 years ago) and have since developed a great deal of experience providing cover for those who enjoy a wide range of extreme sports. So, if you are a motorsport participant looking to discuss financial protection cover for racing then contact one of our team of specialist sports advisers to find out more.

What is your motorsport?

We understand that there are many different types of motorsports activities and that these can take place in competitive and non-competitive formats and on different racing environments. Feel free to contact us to discuss your needs and your sport.

Types of sports you may want to discuss with us:

  • Motor car sports typically on circuits or tracks
  • Banger racing
  • British Touring Cars
  • Formula racing
  • Grand prix racing– Formula 1, Formula 2
  • Grand tour racing
  • Karting / kart racing
  • Production car racing
  • Sports car racing
  • Sprint racing
  • Stock car racing
  • Touring car racing
  • Vintage motor racing
  • Motor car sports typically racing on other surfaces
  • Cross country / off road racing
  • Hill climbs
  • Off road racing (e.g. Paris – Dakar rally)
  • Rallycross
  • Rallying
  • Motorcycles / Motorbike sport
  • Beach Racing / Beach cross
  • Cross Country
  • Enduro / Endurance racing
  • Grass track
  • Hill climbs
  • Moto Cross
  • Motorcycle Grand Prix (MotoGP)
  • Off road motorcycle racing
  • Road Racing (e.g. Isle of Mann TT race)
  • Scrambles
  • Speedway
  • Supercross
  • Super Bike racing
  • Supermoto
  • Time trials
  • Track days
  • Track racing
  • Trials Racing
  • Boats sports
  • Powerboats

Whether your motorsport takes you sliding around the corners of Silverstone, or skimming across the seas and oceans, then Sports Financial Services will be happy to hear from you.

Accident insurance for motorsports

At Sports Financial Services, we recognise that the insurance risk you face can differ based on various factors related to your specific motorsport activity. These factors may include the type of racing, engine size, frequency of participation, and whether you’re an amateur or professional racer.

Regardless of your motorsport discipline or level of involvement, we encourage you to reach out to us today to address your unique insurance requirements. Our team is here to discuss and tailor solutions that best suit your individual needs.

Motorsports insurance company

A number of financial protection options are available for those who enjoy motorsports and who may want to provide for loved ones, meet mortgage payments or bills should an accident (or worse) happen whilst participating.

Each enquiry is handled by an individual specialist adviser at Sports Financial Services and they will discuss your options in relation to you, your lifestyle and your sporting activities.

Life Insurance company for your motorsports

You can speak to Sports Financial Services about cover for different types of hazardous sports. We are happy to discuss the availability of different types of financial protection, such as:

  • Accident Insurance
  • Life Insurance
  • Mortgage Protection
  • Critical Illness Cover
  • Income Protection

Also, if you maintain a healthy lifestyle and regular fitness plan for your activities, you can also speak to us about policies that reward you for keeping fit and healthy.

Am I getting the best motorsports insurance?

Even if you have financial protection in place elsewhere, Sports Financial Services will be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products for your participation in motorsports.

Do you have any questions about financial protection for motorsport participants?

If you have any specific questions about cover for motorsports then please call our number below.

No question is too big or small, we are happy to discuss a range of questions, such as:

  • Are there any premium loadings for my particular motorsport activities?
  • Are there any exclusions because of my particular motorsport activities?
  • Can I get Life Insurance for my particular activities?
  • Is Critical Illness cover available for my particular activities?
  • Is Income Protection available for my particular activities?
  • Can I get Private Medical Insurance?

If you have any specific questions about cover for motorsports (or any other sporting activities) then please call 0345 565 0935 to discover the best deal we can offer you for your sporting activities.

What is the process to apply for cover for my motorsports?

When you enquire about cover with us, we will take into consideration a number of factors relating to your motorsports and lifestyle. As with any application for financial services it is important that you declare your work, lifestyle, medical and other questions completely.

Some typical questions, that relate to your enquiry for cover, may include your:

  • Occupation
  • Personal health history & lifestyle (e.g. smoking or alcohol consumption)
  • Height (ft/m)
  • Weight (lb/kg)
  • Age
  • Health background

More specifically, other occupational and sport related questions may include (where relevant) your:

  • Current employment / occupation
  • Type of motorsport activity
  • Where you participate in motorsports (e.g. circuit, road, track, cross country, beach, grass, inland
  • or coastal waters)
  • Type of motor vehicle / motorcycle / boat that you race
  • Size of bike engine / engine capacity (cc)
  • Frequency of racing and frequency of participation in competitions
  • Type of participation level (recreation, amateur or professional)
  • Type of licence, background and experience
  • Sports governing body membership (if applicable)
  • Location of racing activities (UK, Europe or international)
  • Current income (for income protection)

As part of your enquiry for motorsports, we will also discuss the amount and duration of cover you require, for example:

  • The amount of financial protection you require (£)
  • The duration of the policy you require (number of years)
  • The type of policy you require (e.g. decreasing or level term)

A combination of your activities, lifestyle, personal health, occupation and other factors, such as those detailed above, will assist in the determining the options that will be available to you and the associated premiums.

Specialist insurance information for those who participate in motorsports

Even if you have a policy in place elsewhere for your sport, we will still be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

Business protection for those who participate in motorsports

For those who operate a Limited Company or operate at Director level then you may want to consider speaking to us about other options, such as:

  • Key Person insurance
  • Relevant Life insurance
  • Shareholder Protection

As above, even if you have a policy in place elsewhere, we will still be happy to hear from you so that you can compare your current cover and premiums with current market products.

Life Insurance cover for motorcycle racing

Posted on by sf_admin

If you enjoy motorcycle racing and are looking for financial protection then contact the team at Sports Financial Services today.

Whether you are a member of the Amateur Motor Cycle Association (AMCA) or Auto Cycle Union (ACU) or similar organisation we will be happy to hear from you and discuss your needs for cover for track, road, enduro, cross country or other motorcycle sport.

The risks inherent in motorcycle racing can result in the sport being rated as a hazardous sport by underwriters.

This has traditionally meant that motorcycle racers have had to pay more for their life insurance and receive restrictions or loadings for illness cover.

Why choose Sports Financial Services?

We were originally founded as Summit Financial Services (well over 20 years ago) and have a great deal of experience providing cover for those who enjoy hazardous sports. Through time we have grown a specific focus in providing cover for a wide range of extreme sports and related occupations.

So, if you are a motorcycle racer looking to discuss financial protection cover for motorcycle racing then contact our team of specialist sports advisers to find out more.

Accident insurance for motorcycle racing

If you enjoy motorcycle racing and are looking for a lump sum to be paid following an accident or natural death then you may want to consider chatting to us about life insurance.

A further type of cover that is often enquired about is Critical Illness Cover which could help to support the insured and their loved ones financially in the event of being diagnosed with a particular medical condition.

If you are you concerned about financial peace of mind should an accident happen whilst enjoying your sport then contact us today.

We understand that there are many types of motorcycling activities, in competitive and non-competitive environments, that you may want to discuss with us such as:

  • Adventure Motorcycling
  • Beach Racing / Beach cross
  • Cross Country
  • Enduro / Endurance racing
  • Grass track
  • Hill climbs
  • Moto Cross
  • Motorcycle Grand Prix (MotoGP)
  • Road Racing (e.g. Isle of Mann TT race)
  • Scrambles
  • Speedway
  • Supercross
  • Super Bike racing
  • Supermoto
  • Time trials
  • Track days
  • Track racing
  • Trials Racing

Whether you ride or race modern, classic or vintage bikes (e.g. Ducati, Yamaha, BMW, Norton, Suzuki, Kawasaki, Triumph) we will be happy to hear from you.

Common types of risks for those who race motorcycles

Here at Sports Financial Services, we understand that your insurance risk can vary depending on a number of factors associated with your competitive riding such as your type of racing, engine size, frequency of participation, amateur or professional status.

Whatever your type of racing or level of participation we are happy to discuss your individual motorcycling needs with you.

Motorcyclists often seek to reduce the risk of injury through the use of specialist personal protective clothing and equipment relevant to their particular motorcycling sport, such as:

  • Motorcycling helmet and visor
  • Motorcycling goggles
  • Motorcycle gloves
  • Motorcycling leathers
  • Specialist motorcycling body armour
  • Motorcycling boots

Motorcycle racing clothing continually evolves. Depending on the sport this may include modern fabrics such as high-density nylon (e.g. Cordura), Kevlar or added protection such as knee sliders.

Body armour for motorcyclists can be worn to help provide some protection from personal injury in the event of a fall, contact with other riders, impact with race track barriers or dirt and debris scattered by other riders.

Motorcycle racing insurance company

A number of financial protection options are available for those who enjoy racing and who may want to provide for loved ones, meet mortgage payments or bills should an accident (or worse) happen whilst participating in motorcycle racing activities.

Each enquiry is handled by an individual specialist adviser at Sports Financial Services and they will discuss your options in relation to you, your lifestyle and your sporting activities.

Life Insurance company for your motorcycle racing

You can speak to Sports Financial Services about cover for hazardous sports and we are happy to discuss the availability of different types of financial protection, such as:

  • Life Insurance
  • Mortgage Protection
  • Critical Illness Cover
  • Income Protection

Also, if you maintain a healthy lifestyle and regular fitness plan for your activities, you can also speak to us about policies that reward you for keeping fit and healthy.

Cover for motorcycle racing

Even if you have financial protection in place elsewhere, Sports Financial Services will be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products for motorcycle racing.

Do you have any questions about motorcycle racing Life Insurance, Critical Illness Cover and Income Protection?

If you have any specific questions about cover for motor cycle racing (or any other sporting activities) then please call 0345 565 0935 to discover the best deal we can offer you for your sporting activities.

We are happy to discuss a range of questions, such as:

  • Are there any premium loadings for my motorcycling activities?
  • Can I obtain Life Insurance if I participate in motorcycle racing?
  • Is Critical Illness Cover available if I ride motorcycles?
  • Can I obtain Income Protection for my activities?
  • Can I get Health Insurance or Private Medical Insurance for my sport?
  • What is the process to apply for cover for my motorcycle racing?

When you enquire about cover with us, we will take into consideration a number of factors relating to your motorcycling and lifestyle.

As with any application for financial services it is important that you declare your work, lifestyle, medical and other questions completely.

Some typical questions, that relate to your enquiry for cover, may include your:

  • Health history & lifestyle (for example: smoking or alcohol consumption)
  • Height
  • Weight (lb/kg)
  • Age
  • Health background

More specifically, other occupational and sport related questions may include (where relevant) your:

  • Current employment / occupation
  • Type of motorcycle racing
  • Where you race (e.g. road, track, cross country, beach, grass, circuit)
  • Type of bike you race
  • Size of bike engine / engine capacity (cc)
  • Frequency of racing and participation in competitions
  • Type of participation (recreation, amateur or professional)
  • Type of licence, background and experience
  • Sports governing body membership (e.g. Amateur Motor Cycle Association – AMCA, Auto Cycle Union – ACU)
  • Location of racing activities (UK and/or international)
  • Income (for income protection)

As part of your enquiry for motorcycle racing, we will also discuss the amount and duration of cover you require, for example:

  • The amount of financial protection you require (£)
  • The duration of the policy you require (number of years)
  • The type of policy you require (e.g. decreasing or level term)

A combination of your activities, lifestyle, personal health, occupation and other factors, such as those detailed above, will assist in the determining the options that will be available to you and the associated premiums.

Specialist insurance information for those who motorcycle race

Even if you have a policy in place elsewhere for your sport, we will still be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

Business protection for motorcycle racers

For those who operate a Limited Company or operate at Director level then you may want to consider speaking to us about other options, such as:

  • Key Person insurance
  • Relevant Life insurance
  • Shareholder Protection

How to make an enquiry for motorcycle racing cover

At Sports Financial Services we pride ourselves on providing you with:

  • Personal and confidential advice
  • Experienced advisers in hazardous sports and hazardous occupations
  • Personal service and a quick response to your questions
  • A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

As a hazardous sport specialist, we exist to help those who enjoy extreme and hazardous sports to find cover that is suitable for their needs.

If you would like to find out more about the benefits of financial protection for a whole range of motorcycle sports or other sports then contact Sports Financial Services today on 0345 565 0935.

Or, to enquire online, please click the link above.

Life Insurance for kayaking

Posted on by sf_admin

If you enjoy the thrill of white water or the challenge of the open ocean then Sports Financial Services is here to help find financial protection for your kayaking activities.

We were originally founded as Summit Financial Services (over 20 years ago) and have a great deal of experience providing cover for those who enjoy the outdoors. We still operate this popular service that specifically caters to the needs of climbers, hill walkers and mountaineers.

Because of our heritage of providing cover for a wide range of outdoor sports (e.g. climbing, trekking, mountaineering and skiing) we have seen a growing number of enquiries from people who pursue related active outdoor sports such as kayaking, canoeing and sailing.

So, if you are a kayaker looking for life insurance, critical illness cover or income protection cover then contact our team of specialist sports advisers to find out more.

Kayaking: life insurance, critical illness cover and income protection

If you enjoy kayaking and are looking for a lump sum to be paid following an accident or natural death then you may want to consider chatting to us bout life insurance.

Alternatively, if you are concerned that an accident whilst kayaking may leave you unable to work for a while then an income protection policy may be another choice for you discuss with us.

A further type of cover that is often enquired about is Critical Illness Cover which could help to support the insured and their loved ones financially in the event of being diagnosed with a particular medical condition.

If you are you concerned about financial peace of mind should an accident happen whilst enjoying your sport then contact us today.

Not every aspect of the sport is adrenaline filled white water challenge so, whatever your level, we are happy to discuss a wide range activities such as:

  • Adventure touring and camping
  • River touring
  • Sea touring
  • White water

Even if your kayaking activity is not listed here please feel free to call to discuss your needs and the most appropriate financial protection for you.

Kayaking insurance company

A number of financial protection options are available for those who enjoy the outdoors and who may want to provide for loved ones, meet mortgage payments or bills should an accident (or worse) happen whilst participating in kayaking activities.

Your enquiry is handled by an individual specialist adviser at Sports Financial Services and they will discuss your options in relation to you and your activities.

Life Insurance company for your kayaking

You can speak to Sports Financial Services about cover for hazardous sports and we are happy to discuss financial protection, such as:

  • Life Insurance
  • Mortgage Protection
  • Critical Illness Cover
  • Income Protection

Also, if you maintain a healthy lifestyle and regular fitness plan for your activities, you can also speak to us about policies that reward you for keeping fit and healthy.

Do you have any questions about kayaking Life Insurance, Critical Illness Cover and Income Protection?

If you have any specific questions about cover for kayaking (or any other outdoor activities) then please call 0345 565 0935 to discover the best deal we can offer you for your sporting activities.

We are happy to discuss a range of questions, such as:

  • Are there any premium loadings for my kayaking activities?
  • Can I obtain Life Insurance if I participate in kayaking?
  • Is Critical Illness Cover available if I kayak?
  • Can I obtain Income Protection for my activities?
  • Can I get Health Insurance or Private Medical Insurance for my sport?

What is the process to apply for kayaking Life Insurance, Income Protection or Critical Illness cover?

When you enquire about cover with us we will take into consideration a number of factors relating to your kayaking and lifestyle.

As with any application for financial services it is important that you declare your work, lifestyle, medical and other questions completely.

Some typical questions, that relate to your enquiry for cover, may include your:

  • Health history & lifestyle (for example: smoking or alcohol consumption)
  • Height
  • Weight (lb/kg)
  • Age
  • Health background

Even more specifically, occupational and sport related questions may include (where relevant) your:

  • Current employment / occupation
  • Type of kayaking activity
  • Typical environments (e.g. white water / ocean)
  • Location of activities (UK and/or international)
  • Sports Governing Body membership (e.g. British Canoe Union)
  • License, qualifications, background and experience
  • Participation in competitions
  • Current income (for Income Protection enquiries)

As part of your enquiry for kayaking, we will also discuss the amount and duration of cover you require, for example:

  • The amount of financial protection you require (£ GBP)
  • The duration of the policy you require (number of years)
  • The type of policy you require (e.g. decreasing or level term)

A combination of your activities, lifestyle, personal health, occupation and other factors, such as those detailed above, will assist in the determining the options that will be available to you and the associated premiums.

Life Insurance, Income Protection and Critical Insurance cost – specialist insurance information for those who kayak

Even if you have a policy in place elsewhere for your sport, we will still be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

Business protection for water kayakers

For those who operate a Limited Company or operate at Director level then you may want to consider speaking to us about other options, such as:

  • Key Person insurance for extreme sports enthusiasts
  • Relevant Life insurance for extreme sports enthusiasts
  • Shareholder Protection for extreme sports enthusiasts

How to make an enquiry for kayaking cover

At Sports Financial Services we pride ourselves on providing paddlers with:

  • Personal and confidential advice
  • Experienced advisers in hazardous sports and hazardous occupations
  • Personal service and a quick response to your kayaking questions
  • A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

As a hazardous sport specialist, we exist to help those who enjoy extreme and hazardous sports to find cover that is suitable for their needs.

If you would like to find out more about the benefits of financial protection for a whole range of water sports and other outdoor sports then contact Sports Financial Services today on 0345 565 0935.

Or, to enquire online, please click the link above.

Contractor life insurance

Posted on by sf_admin

There are a number of options available for contractors who want to provide for their family, protect mortgage payments or bills should an accident happen whilst engaged in contracting activities.

Contracting spans a number of different industries and activities and each brings a different set of risks.

Depending on the nature of the work and the risks involved certain exclusions or restrictions may apply to certain types of financial protection. When you enquire your specialist adviser at Sports Financial Services will discuss the cover options available to your line of contracting work.

For example, activities considered to be higher risk by underwriters, could include such things as:

  • Working at heights (over 40ft)
  • Working in off-shore locations
  • Hazardous environments
  • Use of dangerous equipment, chemicals or tools
  • Certain geographic locations

Each enquiry for financial protection is individual and we will discuss the risks involved in your lifestyle and contracting activities. This may involve discussion of factors that span your lifestyle, work and qualifications relevant to your industry.

Contracting and financial protection

Sports Financial Services have a long history of working with people that pursue hazardous sports and hazardous occupations.

We specialise in three types of financial protection:

  • Life Insurance
  • Critical Illness Cover
  • Income Protection

In addition, if you maintain a regular fitness plan, you can also speak to us about policies that reward you for keeping fit and healthy.

Contractor insurance cover

If you are concerned that an accident or significant injury could seriously affect your work, income, ability to pay bills and provide for your family then contact us today.

Contractors can work in a variety of industries and activities, for example:

  • Air conditioning
  • Building
  • Carpentry
  • Cleaning
  • Commercial window cleaning
  • Construction work
  • Commercial building and construction
  • Concrete
  • Drainage
  • Electrical
  • Excavation
  • Flooring
  • Heating
  • Insulation
  • Landscapes
  • Paving
  • Painting
  • Plastering
  • Plumbing
  • Residential housing, buildings and construction
  • Roofing
  • Security
  • Scaffolding
  • Window cleaning
  • Window fitting

Whatever your activity or industry please feel free to contact us to discuss your financial protection needs.

Contractor life insurance, critical illness cover and income protection FAQs

If you have any specific questions about cover for contractors then please contact us to discuss the best deal we can offer you.

We are happy to discuss a range of questions, such as:

  • Are there any premium loadings for my contractor activities?
  • Can I obtain Life Insurance as a contractor?
  • Is Critical Illness Cover available to me?
  • Can I obtain Income Protection Cover?
  • Can I get Health Insurance or Private Medical Insurance?

What is the process to apply for cover for industrial rope access workers?

If you enquire about cover for your work as a contractor, we will take into consideration a number of factors relating to your contracting activities and your lifestyle.

It is important that you declare your occupation, work activities, lifestyle, medical and other questions completely.

Typical life and lifestyle questions, that relate to your enquiry for cover as a contractor, may include your:

  • Health, fitness & lifestyle (e.g. smoking and/or alcohol consumption)
  • Height
  • Weight (lb/kg)
  • Age
  • Health history

Different providers of cover my ask additional questions relating to you work, such as:

  • Your current occupation
  • Sector or industry in which you work
  • Type of contracting activities in which you participate
  • Typical / maximum working heights
  • Any use of dangerous equipment, machinery or chemicals
  • Hours per week spent working at height
  • Geographic location of work (UK and/or international deployment)
  • Any work in dangerous locations (e.g. offshore, dangerous countries)
  • Hours based outdoors vs office-based hours
  • Any relevant professional training and qualifications
  • License, certificates and experience
  • Income (for Income Protection)

If your contracting work takes you offshore then we may also discuss, such items as:

  • Transport methods to offshore platforms/locations
  • Location of work (e.g. Gulf / North Sea)
  • Percentage of time offshore vs. onshore
  • Work combined with other technical activities (e.g. diving)

As part of your enquiry for cover we will also discuss with you the amount of cover you require and the duration of the cover you would like, for example:

  • The quantity of cover or protection you require (£ GBP)
  • The duration of the policy you require (number of years)
  • The detailed type of policy required (e.g. decreasing or level term)

Your recreational and occupational information, such as that detailed above, will help determine the premium you have to pay for your cover for your lifestyle and contractor activities.

Contractor life insurance cost

Even if you have a policy in place elsewhere for your contractor activities, Sports Financial Services will be happy to hear from you, even if only to provide peace of mind that cover and premiums are comparable with current market products for your lifestyle and occupation.

Business protection and contractors

For those who operate a Limited Company or operate at Director level then you may want to consider speaking to us about cover options such as Key Person cover.

How to make your enquiry for cover as a rope access worker

At Sports Financial Services we pride ourselves on providing you with:

  • Personal and confidential service
  • Experienced advisers in hazardous sports and hazardous occupations
  • A quick response to your questions
  • Support from a Financial Conduct Authority (FCA) authorised company
    Easy application process conducted around times that suit you

If you would like to find out more about the benefits of cover for a whole range of occupational and recreational activities then please call and speak to an experienced adviser today on 0345 565 0935.

Or, to enquire online, please click the link above and complete the online form.

As a hazardous sport and occupation specialists we exist to help those who enjoy adventurous pursuits to find cover that is suitable for their needs.

Contact us now for your life insurance quote or apply online

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