Category: Sports

Skydiving is an exhilarating sport that offers a unique perspective of the world and the chance to engage with and adrenaline filled activity. Whether you’re a seasoned professional or a first-time jumper, it’s important to take steps to protect yourself and your loved ones in case of an unexpected accident. That’s where British skydiving insurance from Sports Financial Services could help. We aim to provide the best value protection for your skydiving activities from the policies we offer.  

About British skydiving insurance

Our specialist advisers at Sports Financial Services offer 4 types of British skydiving insurance products. You can speak to us about life insurance, mortgage protection, income protection or critical illness cover 

When you enquire about life insurance cover skydiving, we’ll discuss you and your skydiving in areas, such as:

• The number of jumps you take every year
• Where you participate in skydiving
• If you take part in competitive skydiving 
• If you work as a skydiving instructor or whether you skydive professionally 
• If you a member of the Sport’s Governing Body for skydiving

When applying for British skydiving insurance options from Sports Financial Services we will also ask about your health, occupation and lifestyle. This information will be used to assess the financial protection options available to you and if there will be any associated premium loadings or exclusions. In addition, underwriters may also want to know if you have had to take any time off work in the past because of your skydiving activities.

If your insurer assesses you to be at high risk then this can lead to premium loadings, as well as exclusions to your policy. Your personal adviser at Sports Financial Services will discuss the options available to you for the British skydiving insurance options we offer.

If you have a current life insurance policy and want to compare our rates with your current cover then speak to a specialist sports adviser at Sports Financial Services.

If enquiring about a new policy a specialist adviser will work with you personally to understand you and your skydiving in order to find the best value protection for your activities from the range of products we offer. 

British Skydiving insurance with Sports Financial Services

In conclusion, British skydiving insurance and the financial peace of mind it offers is a key consideration for anyone who participates in skydiving. It may provide the financial protection you and your loved ones are looking for in the unfortunate case of an accident. Here at Sports Financial Services, we have many years of experience in providing people who participate in high-risk sports, such as skydivers, with life insurance, mortgage protection, critical illness cover and income protection. 

Don’t wait until it’s too late – get in touch with us here at Sports Financial Services to discuss your need for British skydiving insurance today or visit our skydive insurance FAQSs page to find out more.

Horse riding is a beloved activity enjoyed by millions of people around the world. Whether
you’re a beginner taking your first lessons or an experienced equestrian rider competing at
the highest levels, there’s no denying the thrill and excitement that comes with horse riding.
However, like any sport, horse riding carries some level of risk. Accidents can and do
happen, which is why it’s important to consider horse riding insurance if you’re a horse rider.

What is life Insurance?

Life insurance is a type of financial protection that typically provides financial support, in the
form of a lump sum, if the worst were to happen whilst horse riding. Other options include
mortgage protection, critical illness cover and income protection cover that can provide other
types of financial benefit.

In exchange for paying premiums, your insurance company will provide a financial benefit as
designated in the terms of your policy. This money could then be used to contribute to a
wide range of expenses such funeral costs, bills and living expenses.

Why do you need horse riding insurance?

Horse riding can be dangerous, even for experienced riders. Falls, collisions and other
accidents can result in serious injuries or even death. While no one likes to think about the
worst-case scenario, it’s important to be prepared for the unexpected. Horse riding insurance
can provide peace of mind to both you and your loved ones, knowing that there will be some
level of financial pay-out if something were to happen to you.

What Types of horse riding insurance are available?

There are several types of horse rider insurance options available from Sports Financial Services.
These include life insurance, mortgage protection, income protection and critical illness
cover for horse riders.

When you enquire about cover, we’ll ask about various aspects of your health, work, lifestyle
and horse-riding activities. Once we have this information, we’ll be able to let you know
about the financial protection options that are available to you. Sometimes, because of your
health, work or riding activities, there may be premium loadings or exclusions. As specialists in financial protection insurance for hazardous sports your personal adviser at Sports Financial Services will discuss the cover options available for you and your individual needs.

How much life insurance do horse riders need?

The amount of horse riding insurance you need will depend on a variety of factors, including
your age, income, financial obligations, and family situation. As a horse rider, you may want
to consider the risks and financial implications of having an accident whilst horse riding. Your
horse riding insurance specialist at Sports Financial Services can help outline the options
available to you and discuss appropriate cover for your specific needs.

In conclusion, while no one likes to think about the possibility of a tragic accident, it’s
important to be prepared for the unexpected. Life insurance, income protection and critical
illness cover can provide some peace of mind to horse riders, knowing that some level of
financial support would be available if an accident were to happen. To learn more about the
life insurance, critical illness and income protection options available to you, as a horse rider,
please speak with one of our equine sports specialists at Sports Financial Services today.

When taking part in extreme and high-risk sports, such as skydiving, it is important to consider life insurance cover skydiving, critical illness cover and income protection. For financial peace of mind consider cover to ensure that you have protected yourself, your family and your home in the event of anything happening during your skydiving activities. 

Is skydiving covered by a life insurance policy?

Speak to a sports expert at Sports Financial Services to discover the life insurance options available to skydivers. Typically, a life insurance policy provides a lump sum to help and support your beneficiaries in the event of the insured death. The calculation of life insurance premiums depends on many factors, such as:

• How many jumps per year you undertake?
• Where do you go skydiving?
• Do you skydive competitively?
• What type of skydiving activities do you participate in?
• Do you do any skydiving instructional work?
• Are you a member of the Sport’s Governing Body?

There are a number of other factors that have to be taken into account to determine your skydiving life insurance premiums, for example: 

• How much cover you need (total £ sum assured)
• Length of your policy (number of years)
• Which type of life insurance pay out you require (e.g., fixed sum for the life of the policy or pay out linked to a declining mortgage amount as a mortgage is paid off) 

Skydiving critical illness cover 

When applying for skydiving critical illness cover there is a similar enquiry process to life insurance cover skydiving. Insurers will need answers to several questions about your skydiving activities so that they are able to assess how at-risk you are. If your insurer assesses you to be at high risk then this can lead to premium loadings, as well as exclusions to your policy. Your personal adviser at Sports Financial Services will discuss the options available to you. 

Skydiving income protection

As well as offering life insurance cover skydiving and critical illness cover, we also offer skydiving income protection. When applying for skydiving income protection we will ask about your skydiving participation, health, occupation and lifestyle. We will use this information to assess the financial protection options available to you and if there are any associated premium loadings or exclusions.  Underwriters may also want to know if you have had to take any time off work in the past because of your skydiving activities.

Where can I get life insurance cover skydiving?

Here at Sports Financial Services, we offer life insurance cover skydiving, critical illness cover for skydivers and income protection for skydiving. We have many years of experience in providing protection for people who take part in high-risk hobbies and occupations. You will always be assisted by one of our expert advisers who will provide you with a quote unique to your needs and circumstances. Please feel free to contact us today to obtain your personal quote or ring us at 0345 565 0935.

Alternatively, you can find out more information on our Skydive Insurance FAQs page. 

If you enjoy horse riding you may want to consider equestrian rider insurance. Finding out which insurance companies offer the best value or those who offer the best cover for your equestrian activities could be a long process. Our sports specialists at Sports Financial Services are here to help you through the options available to you. 

Because we specialise in sport, we understand hazardous sports and those who enjoy risky sports, such as horse riding. So, whether you enjoy horse riding for leisure or pleasure please contact us to find out what we can do for you.

There are several key points to consider when assessing an application for horse riding insurance/ equestrian rider insurance, for example: 

• How frequently do you take part in horse riding activities?
• Which type of horse riding activities do you participate in?
• Do you take part in equestrian activities in the UK, Europe or on a Worldwide basis?
• Are you a member of the equestrian sports governing body?
• Do you take part in any horse riding / equestrian competitions and to what level?
• Do you take part in competitions on an amateur level or do you participate professionally?
• Do you work professionally within the equestrian industry?

Equestrian rider insurance, life insurance, critical illness cover and income protection 

A number of financial protection options are available for horse riders or equestrian sports participants who may want to provide for a family, cover mortgage payments or bills should an accident (or worse) happen whilst participating in horse riding or equestrian sports . 

The risks associated with certain types of horse riding and equestrian sports may mean that certain policy exclusions or policy restrictions may apply to certain types of cover. However, your specialist sport adviser at Sports Financial Services will discuss the cover options in relation to you and your equestrian activities.

When applying for equestrian financial protection, there are a number of possible outcomes when your enquiry is assessed. This can include higher premiums if your activities are assessed as higher risk. In addition, there may be restrictions to your cover because of your specific horse riding and equestrian activities. Underwriting for income protection and critical illness cover for riders can vary between insurance companies and your personal adviser at Sports Financial Services will discuss the options available to you.

Equestrian rider insurance with Sports Financial Services

Due to the nature of the sport, there are risks associated with equestrian sports. With our experience of working with thousands of people who enjoy extreme sports and hazardous pursuits you are in safe hands when it comes to discussing your equestrian rider insurance needs. 

Our sports specialists are happy to talk about the availability of cover for a whole range of equestrian and horse-riding activities, such as:

• Dressage
• Endurance riding and adventure horse riding 
• Eventing
• Gymkhana
• Horse riding holidays and adventures
• Point-to-point
• Pleasure riding
• Polo
• Pony trekking
• Show jumping
• Trail riding
• Vaulting

Whatever type of equestrian activities you participate in please contact us to discuss your needs and the financial options available to you.  Even if you do not see your equestrian activity listed above, please feel free to call to discuss your needs.

Sports Financial Services are a top insurance specialist for hazardous and extreme sports. We work with a range of insurance companies and underwriters to find the best value protection for your activities. We evaluate your enquiry based on a number of factors such as the type of equestrian activities you participate in, where you participate and how frequently you engage in this kind of activity. Participants in equestrian sports will be familiar with the risks associated with the sport and should be aware that this may have an impact on how risk is evaluated for life insurance, critical illness insurance, and income protection.

Whether you enjoy equestrian sports, participate in other hazardous pursuits or extreme sports or have a hazardous occupation please speak to one of our specialist advisers today about the availability of life insurance, income protection and critical illness cover to meet your needs.  

Sports Financial Services specialises in providing financial protection to participants in high-risk sports such as scuba diving. Over the years we have developed a thorough understanding of a wide variety of outdoor pursuits and hazardous sports. In particular, we have teamed-up with British Sub Aqua to better understand the needs of divers and their financial protection needs. Scuba diving can be a challenging activity requiring fitness, technical diving skills, knowledge of technical equipment and the ability to operate in a challenging environment. If you a looking to provide for a family in the event of an accident, are concerned about the effects of a critical illness on your finances or would like to protect your income then please get in touch.

Even if you believe you have the appropriate life insurance for divers cover or other financial protection, it is may still be useful to talk to our diving specialist about the current terms that are available in the market as new financial protection products can emerge in the market over time. Undertaking this quick exercise could provide you with the peace of mind knowing that you have you have compared your cover with current market offerings.

About Life Insurance for Divers

At Sports Financial Services we have the experience of arranging cover for a wide range of diving activities, such as: 

• Extended depth diving up to 100m
• Diving in the UK, Europe and Worldwide
• Offshore diving (more than 3 miles) 
• Wreck diving and wreck penetration diving
• Mixed gas diving
• Rebreather diving

Some of the key questions we consider when discussing for life insurance for divers include:

• How often do you go diving?
• What type of diving do you undertake?
• Are you a member of the sport’s governing body (e.g., BSAC)?
• Have you got any diving qualifications?
• How deep do you dive?
• Where do you dive?
• Do you undertake wreck exploration?
• Do you dive as part of your occupation
• Would you like cover for any other hazardous sports or a hazardous occupation?

Other questions that relate to your enquiry about financial protection and Scuba Diving life insurance cover include:

• What is the amount of cover required (sum assured)?
• What is the term of cover (number of years)?
• What type of cover would you like (e.g., a fixed amount of protection throughout the period of cover or a declining amount of protection to match a mortgage being gradually paid off)?

Divers Critical Illness Cover

Similar to life insurance, scuba diving critical illness cover is another type of financial protection that you can speak to our specialist diving advisers about. Diving critical illness cover offers a way to cover specific illnesses or medical conditions that may have the potential to disrupt your life, family and finances. By taking part in a hazardous pursuits like scuba diving and enquiring about critical illness cover you will have your enquiry assessed against the diving activities you pursue. Cover for different types of diving activities will be assessed differently.

In some circumstances scuba diving critical illness cover policy may be subject to additional premium loadings or exclusions, for example, if you frequently dive or if you dive beyond certain depths. It’s crucial to apply to the best insurance company that suits your needs as different insurance companies have different limitations and underwriting criteria for their scuba diving critical illness cover. Your experienced adviser at Sports will work with you directly to obtain the best value protection for your diving activities.

Divers Income Protection

Alongside life insurance and critical illness cover another cover to consider is income protection. By taking part in a hazardous pursuit, you may also be interested in seeking to discover the income protection options that are available to provide you with the peace of mind if you are unable to work due to injury or sickness.

Loans, mortgages, credit cards, regular bills or family financial commitments may cause you to reflect on what would happen if you were unable to meet the payments because of a loss of income if you are unable to work. 

Enquiries about income protection are dependent on various factors, for example, whether you have previously suffered any injuries as a result of scuba diving and whether they have caused you to have time off work.

Like other forms of financial protection participation in some sports and activities may result in premium loadings, restrictions or exclusions. But, don’t worry, your personal diving adviser will discuss your needs and the options available to you.

Life Insurance for Divers with Sports Financial Services

Contact a member of our team of diving insurance specialists today for details about life insurance and the other financial protection options available to you. In addition, if you have an existing policy elsewhere and would like to check how we compare we’ll be happy to help.

In addition, if you take part in other hazardous sports or have a hazardous occupation you can also discuss your needs with our sport and occupation experts.

For some people, who thrive off the adrenaline rush, there is no better feeling than skydiving. However, you must remember, that many hazardous pursuits like skydiving come with some inherent risks in the sport.

No matter how much experience you have and how good your equipment is skydiving accidents can still happen. If you’re someone who enjoys adrenaline-filled activities then it is important to consider appropriate insurance and financial protection. If you are interested in finding out more about life insurance, income protection and critical illness cover for skydiving our team skydive insurance advisers at Sports Financial Services are here to help you.

Can I get Skydive Insurance?

At Sports Financial Services we offer skydiving insurance and offer skydiving life insurance, income protection and critical illness cover for a range of other hazardous pursuits. Any activities, such as skydiving, that involve participation in extreme sports can often require additional underwriting due to the additional risks involved. So, if you are looking for cover for hazardous sports you have come to the right place.

Whether you only take part in skydiving jumps on a recreational basis a few times a year or are a more committed skydiver or instructor please speak to one of our sports specialists about the skydiving cover options that are available to you.

Why do I need to Skydive Insurance?

Although skydiving can be an incredible experience, it’s also one that comes with some serious risks. Skydiving equipment and techniques have come a long way over the years however the nature of the activity still carries risks for serious injuries and death. Risks that come with skydiving include risks associated with equipment and risks associated with human error.

In addition to the risk of death there are other ailments that skydivers could face, for example, broken and dislocated bones, spinal cord injuries, whiplash and eye trauma.

If you are looking to provide for a family, contribute to mortgage payments or protect your income then give a sports specialist a call at Sports financial Services to discuss the options available to you.

How can I keep my skydive life insurance premiums down?

As a skydiver, you might be wondering how to lower the cost of your skydive insurance.

One factor in the assessment of life insurance premiums is health. Some life insurance providers even reward people with improved terms if they track participation in regular exercise (usually tracked via a smart technology device). Generally, to help with the cost of your life insurance premium calculations there are a number of small things you can do, for example:

• Keep up good health
• Exercise regularly
• Avoid smoking and any other drugs
• Drink in moderation, if at all

Skydive Insurance with Sports Financial Services

Talk to us today about skydive life insurance, critical illness cover and income protection cover. We are a team of highly experienced sports advisers who exist to help you find the best value protection for your skydiving. If you would like a free quote, please feel free to fill in our quick response online form. Alternatively, you can call us today on 0345 565 0935.

What would happen to your family finances or your ability to pay your bills if you had an accident whilst participating in a winter sport like snowboarding or whilst working as a snowboard instructor? 

At Sports Financial Services we are experts in providing financial protection for high-risk activities and extreme sports. 

We specialise in financial protection for hazardous sports and hazardous occupations, such as, snowboard instructor insurance, life insurance, critical illness cover and income protection cover. Each enquiry is discussed in relation to your individual needs and your sports consultant will discuss the options available to you based on your lifestyle, sport and occupation.  

Sports Financial Services can assist you if you’re looking for financial protection when it comes to snowboard instructor insurance so that you can snowboard and instruct with peace of mind. 

When you enquire, we’ll want to discuss many things such as your health, lifestyle and the type of snowboarding activities you pursue.

When applying for snowboard instructor insurance there are a number of other factors which need to be taken into consideration, in order for an underwriter to asses your application fully, for example:

• What is your occupation or role in the snowboarding industry?
• Do you work at altitude and, if so, what is your maximum altitude?
• Which qualifications do you hold?
• Where do you work geographically?
• Do you have any medical or pre-existing health issues?

Depending on the underwriter, they may also be interested in the more detailed information about your type of snowboarding, for example:

• Recreational snowboarding
• Indoor/ dry scape snowboarding
• Off piste snowboarding
• Racing 
• Freestyle
• Snowboard instructor/ guide

Snowboard Instructor Critical Illness Cover 

Due to the nature of the sports, you pursue some applications may be subject to additional underwriting, exclusions, restrictions or a decline of cover.

Because Sports Financial Services specialise, they will be happy to chat about your individual circumstances, sports participation and lifestyle. 

The activities you engage in, your lifestyle and health all affect outcomes on the availability of cover along with any premium loading’s restrictions or exclusions.  Your personal sport and occupation adviser will discuss the options available to you. 

Snowboard Instructor Income Protection

You can also speak to us about the availability of income protection cover for snowboard instructors. Different financial protection suppliers come to market at different times and your personal sports adviser will be happy to discuss your personal circumstances and the current availability of cover and any restrictions or exclusions.

Snowboard Instructor Insurance, Life Insurance, Critical Illness Cover and Income Protection cover with Sports Financial Services

If you need assistance obtaining a competitive quote for snowboard instructor insurance, snowboarding life insurance, critical illness cover or income protection cover then contact one of our team of hazardous sports and hazardous occupation experts to find out more today. Your specialist adviser will be happy to discuss your questions and queries regarding snowboard instructor insurance and snowboarding insurance cover.

Alternatively, you can contact us by filling in our online form. 

Finally, as an additional service, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk .

What is ice climbing?

Typically ice climbing is the ascent of ice formations such as icefalls, frozen waterfalls or rock that is covered in ice that has frozen from a flow of water. Ice climbing can be challenging due to the nature of the environment and weather conditions. Protecting routes can also present a challenge. Climbers are normally roped and placed with protection during an ice climbing ascent.

Climbers usually distinguish between pure ice climbing and Alpine / Scottish Winter climbing. In Alpine / Scottish Winter conditions ice is typically encountered in the mountain environment and is climbed as part of a longer ascent of a route to reach a mountain summit. In contrast, ice climbing is typically a more technical activity on frozen liquid flows of water. 

True adventure sports like ice climbing call for participants to be prepared to deal with the unexpected. Ice climbers must remain alert due to the technical nature of the sport, unexpected weather, and changes in the ice conditions.

Why should I consider ice climbing insurance?

There are a number of reasons why you should think about getting ice climbing insurance. Cover options typically range from straightforward life insurance to help support a family if the worst was to happen, to income protection that could provide some level of benefit if you are unable to work as a result of an accident. 

When it comes to ice climbing, we have over 20 years of experience helping to find protection for climbers and mountaineers, so you are in safe hands.

What are the main factors that underwriters consider when assessing an application for ice climbing insurance?

• Altitude
• Geographic location 
• Your general health and fitness 
• Your climbing grade
• Any pre-existing health conditions 
• Any other hazardous sports you pursue

The availability of cover will be dependent on a number of factors and your answers to the questions above. When applying for life insurance for ice climbers we will discuss your health, lifestyle and any other hazardous pursuits for which you would like to obtain cover.

What are the standard questions I will be asked when my application is assessed for ice climbing insurance?

When you enquire about ice climbing insurance, we will discuss a number of personal, lifestyle and health-related topics, such as:

• Do you smoke or have you smoked in the past 12 months?
• How much alcohol do you consume on average each week?
• What is your height and weight (body mass index)?
• Have you ever been diagnosed with or do you suffer from a pre-existing medical condition?
• What is your occupation and is it classed as high risk?
• Would you like cover for other activities in addition to ice climbing?

Can Sports Financial Services provide me with ice climbing insurance?

Sports Financial Services specialises in providing financial protection to those who engage in hazardous hobbies and occupations. Because ice climbing requires technical expertise and is often done in challenging conditions, ice climbing insurance frequently calls for more specialised types of insurance. 

With over 20 years of experience, Sports Financial Services are a great choice when it comes to providing people with the right advice and protection. Whether you want to talk about the best life insurance, critical illness insurance, or income protection insurance for your ice climbing you have come to the right place. 

Speak to one of our sports specialist advisors today to find out more, or alternatively fill out our online contact form. 

Finally, as an additional service, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk .

Life in the Air Force can be a challenging activity as it demands a wide range of skills and the ability to operate in challenging environments. Therefor, an Air Force life insurance policy can often require more specialist types of cover.

The underwriting of an Air Force life insurance policy can vary depending on the insurance provider as well as the type of military activities you are engaged in. For this reason, specialist advice can be beneficial in obtaining the right cover for you and your particular circumstances.

When looking for specialist insurance for extreme pursuits like Air Force life insurance you may come across additional requirements in order for underwriters to fully understand your military activities. Some financial protection may cost more (or be excluded) because of the nature of your activities.

Air Force Life Insurance Policy with Sports Financial Services

Our 20-year history of helping people who engage with hazardous sports and occupations means that we understand the needs of those that operate at the extremes. Because we have been working, for many years, with people who enjoy outdoor sports and occupations, we have a great deal of experience of discussing cover for individuals in the Army, Navy and the Royal Air Force.

When enquiring about an Air Force life insurance policy, there will be a number of things we need to discuss about you and your lifestyle. Here are some of the things we may need to consider:

• How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
• What is your current employment and does it take you on international travel? (e.g., UK, Europe and/or Worldwide)
• What type of Air Force activities do you participate in?
• Do you participate in hazardous sports and pastimes?

Such questions, and many more, will help us find the facts that insurance companies require in relation to you, your occupation and your lifestyle.

Critical illness cover and Income Protection with Sports Financial Services

If you are looking to cover specific illnesses or medical conditions that might disrupt your life, family and finances, then speak to our specialists at Sports Financial Services.

Critical Illness Cover and Income Protection cover for some occupations may result in premium loadings, restrictions or exclusions. When you make an enquiry your adviser at Sports Financial Services will discuss your needs and the options available to you.

Why you should choose us for Air Force Life Insurance Policy

Whatever Air Force role you hold please contact Sports Financial Services to discuss your needs. Because we specialise in sport and hazardous occupations you can speak to us about options for a wide array of different activities.

You can speak to our advisers at Sports Financial Services about a range of financial protection such as Life Insurance, Mortgage Protection, Income Protection and Critical Illness Cover.

If your requirement for Air Force life insurance extends into other outdoor sports and hazardous activities, we also offer cover for a large number of high-risk sports, such as:

• Paragliding life insurance
• Skydiving life insurance
• Rock climbing life insurance
• Mountaineering life insurance
• Caving life insurance