Category: Sports

Life in the military can be challenging as it demands a wide range of skills and the ability to operate in challenging environments, as well as taking part in hazardous activities.  

If you are looking for life insurance for army personnel please speak to Sports Financial Services today about life cover, mortgage protection, income protection and critical illness cover.

What is life insurance for army personnel?

Depending on the insurance company and the kind of army roles and duties involved, there can be differences in how army personnel life insurance is underwritten. This is why getting specialised advice can help you get the right life insurance for army personnel which is suited to your particular circumstances. 

Here at Sports Financial Services, we have a wide range of expertise in discussing life insurance for a variety of outdoor activities and occupations, such as canoeing, scuba diving, mountain biking, rock climbing, mountaineering, skydiving, and skiing. This is because we have worked with people who enjoy outdoor sports for a number of years. 

In order for underwriters to fully comprehend your army personnel activities, you may come across additional requirements for underwrites to fully understand your pursuit. Due to the nature of your activity, some forms of financial protection may cost extra (or may be excluded). You will have an in-depth conversation about this with your own Sports Financial Services adviser. Our 20- year history means we are familiar with the requirements of those who work in hazardous occupations and pursue hazardous sports. 

These are some areas that insurers might consider when assessing your enquiry for life insurance for army personnel:

• How healthy are you and what is your lifestyle like? (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 army personnel activities do you participate in?
• Do you participate in hazardous sports or other hazardous activities?

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 VS Income protection

Critical Illness Cover:

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 hazardous activities and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of activities will be assessed differently. 

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

Income Protection:

Another important cover to consider is income protection, particularly if you take part in hazardous activities. 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 activities and whether they have caused you to have a significant amount of time off work. 

Again, like critical illness cover, participation in some sports and activities 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.

About Sports Financial Services 

Whatever army personnel 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 also discuss options for cover for a wide range of other activities, such as:

• Life insurance for military members 
• Army reserve life insurance
• British army life insurance

Please feel free to contact us today to discuss your needs in relation to life insurance for army personnel or any other hazardous pursuits. One of our hazardous sport and occupation experts will be pleased to help you.

Having life insurance is probably something that you place a lot of importance on if you are a member of the British armed forces. However, it’s probable that your occupation risk is higher than that of other non-military workers in the UK, making it more challenging for you to obtain the necessary life insurance coverage at a price you’re comfortable with. 

Sports Financial Services have developed an expertise in providing people in high-risk occupations and sports with life insurance, critical illness cover and income protection cover. 

What are the benefits of having British army life insurance? 

British army life insurance can assist you to ensure that your family and dependents will have some level of financial support. You may want to obtain your own life insurance policy, while you’re in the military, even if your employer offers death in service benefits. By doing this, your spouse or partner will be aware that they have backup plans in place in case the worst happens.

If you would like to know in more detail about how British army life insurance can benefit you, get in touch with us at Sports Financial Services today, to speak to one of our advisers. 

What information will I need to disclose to obtain British army life insurance?

When applying for British army life insurance cover there will be different things you will have to disclose to us. Here are some of the things that could potentially affect decisions about the cover options available to you:

• Your age 
• Your current health and family health history: This could include questions about smoking, alcohol consumption and lifestyle
• The length of coverage and the type of cover (e.g., fixed rate or index linked)
• How much cover (£) you require
• Whether you travel abroad to engage in your occupational activities  

What is the difference between critical illness cover and income protection cover?

Critical Illness Cover:

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 hazardous activities and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of activities will be assessed differently. 

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

Income Protection:

Another important cover to consider is income protection, particularly if you take part in hazardous activities. 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 activities and whether they have caused you to have a significant amount of time off work. 

Again, like critical illness cover, participation in some sports and activities 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.

How can I get a quote for British army life insurance? 

Because British Army work demands a certain level of technical skill and is undertaken in challenging environments, life insurance for British Army members can often require more specialist types of cover. Not only do we offer British Army life insurance, but we offer army reserve life insurance and life insurance for military members. If you would like to discuss life insurance, critical illness cover or income protection cover for British Army members you have come to the right place.

Sports Financial Services are a team of insurance specialists with many years of experience working with those who pursue hazardous sports and occupations. We know how important it is to find life insurance for armed forces at the right price. Please feel free to get in touch with us today, where you will be able to speak to one of our advisers, or contact us through our online form.

British Army Life Insurance FAQs

Can you get life insurance in the army?

Yes, you can absolutely get life insurance while serving in the army. In fact, members of the military often have access to a variety of life insurance options. It’s crucial to explore these options and understand the coverage to ensure you have the protection that suits your needs and circumstances.

How much does British Army Life Insurance Cost?

With Cover from Sports FS, the cost of life insurance starts from as little as £18.70/mth. However, this quote is based on a 30 year old, non-smoker for £100,000 level life insurance, £50,000 critical illness cover over 25 year term.

Being in the Army Reserve can be difficult since it requires a diverse set of abilities and the capacity to function in difficult circumstances. In response, Sports Financial Services was established to serve the need of the larger outdoor sports and occupational market. In addition, we discovered that a certain group of people approached us in search of army reserve life insurance or for connected professional and recreational pursuits. As a result, expertise was developed in finding coverage for related occupations, such as military occupations, mountain guiding, rope access, and offshore labour. 

In order for underwriters to completely comprehend your Army Reserve activities, you may encounter additional requirements when seeking specialised insurance for extreme pursuits like Army Reserve life insurance. Due to the nature of your Army Reserve duties, some financial protection may cost more (or be excluded). You will have an in-depth conversation about this with your Sports Financial Services adviser. Insurance companies will inquire about your reserve duty status in the military and the likelihood that you will be summoned to active service. In most cases, you should be able to obtain life insurance as an active-duty reserve member of the military.

Army reserve critical illness cover 

If you have a critical illness insurance policy in place, you will get a lump sum payment in the event that you are told you have a serious illness. The following are a few of the most prevalent ailments that are typically covered by critical illness insurance policies:

• Stroke 
• Cancer 
• Heart attack
• Loss of any limbs and loss of sight 
• Dementia 

Cover for some sports and occupations can be offered at standard rates with no special terms imposed whilst participation in other sports and occupations may result in premium loadings, special terms, restrictions or exclusions.

Army reserve income protection  

Not only is army reserve life insurance and critical illness cover important to consider, but so is army reserve income protection. If you need to worry about any of these items, income protection may be an important insurance option to take into account. If you were unable to pay for any of these expenses because you were unable to work, income protection would allow a payout to help with any of these things:

• Mortgage 
• Loans 
• Credit card bills
• Regular bills 
• Family financial commitments 

Army reserve life insurance with Sports Financial Services 

Here at Sports financial services the main types of protection we specialize in are army reserve Life Insurance, Mortgage Protection, Critical Illness Cover and Income Protection. Sports Financial Services are a team of insurance specialists with many years of experience working with those who pursue hazardous sports and occupations. We know how important it is to find life insurance for Army Reserve life insurance at the right price.

If your requirement for army reserve life insurance extends into other outdoor sports and hazardous activities, we also offer cover for many high-risk sports. Whatever your recreational or occupational pursuits we are here to discuss your protection needs, please feel free to contact us today.

Being a military member can be highly rewarding, but at the same time it can aslo come with a high level of risk. This kind of occupation comes with a lot more risks then your average job mentally and physcially. If you have other people depending on you financially then as a military member, life insurance can be crucial, to protect your loved ones in the case of death. 

Life insurance for military members can sometimes require higher premiums depending on your circumstances. If you are looking for life insurance for military members, critical illness cover, income protection or even mortage protection please speak to us at Sports Financial Services today. There are many different factors your insurer will take into consideration during the underwriting process of life insurance for military members. Underwriting is the process by which your insurer determines how risky your occupation is to insure, some of these factors you might be asked about are:

• 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 military activities do you participate in?
• Do you participate in hazardous sports and pastimes?

Critical illness cover for military members

Covering specific illnesses or medical conditions that could have a negative impact on your life, family, and finances is possible with critical illness cover. Anyone who engages in high risk  occupations and requests information on critical illness coverage will have their request evaluated in light of the activities they engage in. Different forms of coverage will be evaluated in different ways when it comes to life insurance for military members. 

Participation in some sports and occupations may result in premium loadings, restrictions, or exclusions, much like with critical illness cover. When you contact Sports Financial Services, an advisor will talk to you about your needs and the solutions that are open to you.

Income protection for military members 

Income protection is a crucial insurance option to take into account, especially if you engage in high risk activities whilst during the military. If you are unable to work because of an illness or injury, income protection may provide you peace of mind. You might want to think about what would happen if you had a loan, mortgage, credit cards, regular expenses, or family financial obligations and were unable to make the payments due to a lack of income if you were unable to work.

Applications for income protection are subject to a number of conditions, such as whether you have ever been hurt while engaging in your activities previously and whether those injuries have required you to take a sizable period of time off work.

How much does life insurance for military members cost

Depending on the details you disclose about your military duties during the underwriting procedure of  life insurance for military members. Your premium may have a loading added on by your insurer, increasing the cost of your insurance. Don’t forget that, regardless of your profession or interests, the cost of life insurance depends on a number of additional criteria’s. Such as your age, health, and lifestyle, as well as the type of coverage you choose.

Why you should choose Sports Financial Servies for your life insurance for military members

Here at Sports Financial Services we are a group of insurance experts with many years of expertise working with people who engage in high risk sports and occupations. We are aware of how crucial it is to locate affordable life insurance for military members. You should consult with our extreme sport and occupation experts even if you already have a life insurance policy in place, have previously had your application for military life insurance rejected, or have had trouble getting insurance in the past. 

Whatever your recreational or occupational pursuits we are here to discuss your protection needs. Get in touch with us today, alternatively, you can contact us by filling out our online form.

Due to motorcycling being a high-risk activity, that also demands a certain level of skill, you might want to consider some sort of protection. Finding the right life insurance policy for motorcycling is a lot easier than people think, some people may think that because there is the added risk of an accident and injury, it may mean it is more difficult to obtain life insurance for motorcyclists. Here at Sports FS, we have over 20 years of insuring people for hazardous sports and high-risk occupations. If you are looking for income protection, critical illness cover, or life insurance motorcycle accident cover then please get in touch with us today. 

Does life insurance pay-out for motorcycle accidents?

If you end up in a motorcycle accident, that then leads to death, then yes you will be covered. Your life insurance provider will still pay out a lump sum of money to your family, as life insurance is there to help protect your loved ones financially. Having a life insurance motorcycle accident cover policy will mean that your insurer will promise to pay a designated beneficiary sum of money. However, your policy may vary depending on the provider, as well as how much you participate in motorcycling. 

Critical illness cover for motorcyclists 

Critical illness cover is a type of policy used to cover specific medical conditions or illnesses that may disrupt your life, family and finances. This lump sum of money can provide that important financial support for your loved ones, if they may be struggling due to the loss of any earnings or if they are unable to meet any payments due. 

Critical illness cover can be offered at standard rates. However, if you participate in high-risk sports and activities such as motorcycling this can lead to premium loadings, special terms and restrictions on your policy. 

Does critical illness cover pay-out for motorcycle accidents?

Critical illness cover will pay-out if you are seriously injured from a motorbike accident, here are some of the main reasons why your critical illness policy might pay-out as a result of an accident: 

• Injury to the brain 
• Amputation 
• Burns 
• Loss of hearing (deafness)
• Loss of limbs 
• Permanent disability 

How to obtain life insurance motorcycle accident cover

Making sure that you are choosing the right insurance provider for a high-risk occupation such as motorcycling is important. Here at Sports FS, we have a team of experts, who will be able to help you obtain the right life insurance motorcycle accident cover for you. We have a wide range of knowledge and access to the whole market, meaning we can get you the best rates possible for your insurance policy.

Please feel free to get in touch with us today for a life insurance quote, or feel free to apply online on our website. 

What is life insurance cover for motorcycle accidents?

Life insurance is there to help protect your loved ones in case of death that may be caused by a motorcycle accident. The purpose of life insurance cover is to make sure that a lump sum is paid out to your family. How your life insurance cover for motorcycle accidents is underwritten varies depending on your insurance provider, as well as your level of participation. Therefore when you are inquiring about life insurance for motorcycling, it can be beneficial to seek specialist advice.

What questions might I be asked when enquiring about life insurance cover for motorcycling?

When inquiring about life insurance cover motorcycle accidents your insurance provider will want to discuss several things with you. They may ask how many times a year you participate in motorcycling, as well as about your level of participation. Here are some other areas and questions your insurer might want to discuss when to cover when inquiring about life insurance cover: 

• 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 motorcycling activities do you participate in?
• Do you participate in motorcycling recreationally or occupationally?
• Do you undertake motorcycling as part of your occupation?

How does critical illness work for life insurance to cover motorcycle accidents?

Critical illness cover would be the perfect way to cover any specific illnesses or medical conditions when looking for life insurance to cover motorcycle accidents. You will have your activity and lifestyle assessed when enquiring about critical illness cover for a pursuit such as motorcycling. Some cover can be offered at a standard rate with no special terms. However, for some certain sports and activities, it may result in premium loadings and special terms.

What is income protection for life insurance cover motorcycle accidents?

Income protection is another important cover to consider, especially when taking part in hazardous activities such as motorcycling. Income protection is all about providing you with peace of mind if you become unable to work due to injury or sickness, due to motorcycling-related activities. Income protection will provide that financial stability if you have loans, mortgages, credit cards and regular bills to pay. Applications for income protection are based on many different factors, for example, whether you have previously suffered any injuries as a result of a motorcycle accident before. 

Why should I choose Sports Financial Services for life insurance cover?

Sports financial services have over 20 years of experience in providing people with cover for hazardous and outdoor activities. Here at sports financial services, we can now meet the needs of the wider hazardous sports marketing, including motorsports and motorcycle racing. Due to motorcycling demanding a certain amount of skill and can be taken part in under challenging environments, it can sometimes result in a specialist type of cover. Chat with us today about life insurance cover motorcycle accidents cover, we aim to provide our expert advice and to find you the best prices. Please don’t hesitate to contact us today, one of our specialist advisors would be happy to answer any questions you may have.

If you are someone who regularly participates in motorcycling, whether recreationally, competitively or for your occupation, you will be aware that this is a challenging, high risk activity that requires a certain level of skill. Due to this sport being considered high risk, you may be interested in income protection, critical illness cover or life insurance for motorcycle riders. If so, you have come to the right place. 

Sports Financial Services specialise in hazardous sports and high risk occupations, operating in this industry for over 20 years we have developed a deep understanding of a number of sports. Our knowledge and understanding allows us to specialise in offering financial protection to people who participate in these sports. 

What is life insurance for motorcycle riders?

Life insurance for motorcycle riders is a policy between a policyholder and insurer in which the insurer promises to pay a designated beneficiary a sum of money in the event of the death of the insured person. If you are a motorcyclist, the underwriting of your policy may vary depending on the provider and how much you participate in motorcycling. For this reason, specialist advice can be beneficial in obtaining the right cover for you, your circumstances and all aspects of your chosen sport and lifestyle.

When you enquire with Sports FS about life insurance for motorcycle riders, one of our specialist advisors will want to learn more about how often you go motorcycle riding each year, and any rides you take part in on an international level. The reason for wanting to know this information is because the answers can impact the underwriting of your policy. It is important you fully disclose all information about your participation in the sport in order to ensure you get the right level of cover. 

Here are some examples of questions insurers might ask when assessing your life insurance enquiry:

• 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 motorcycle riding activities do you participate in?
• Do you participate in motorcycle riding recreationally or occupationally?

Critical illness cover for motorcycle riders

Another type of insurance policy we offer is critical illness cover. This type of insurance is a way to cover specific medical conditions or illnesses that may disrupt your life, family and finances. Anyone who takes part in hazardous pursuits like motorcycle riding and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of activities will be assessed differently. 

Typically, critical illness cover for motorcycle riders is offered at a standard rate without any special terms imposed. However, participation in certain sports, particularly higher risk ones may result in premium loadings, special terms, restrictions and even exclusions. 

Income protection for motorcycle riders

Aswell as life insurance and critical illness cover, we also offer income protection for motorcycle riders. This insurance policy is one worth considering as it protects you financially should you suffer an injury that makes you unable to work leading to a loss of income. If you have a loan, mortgage, credit cards or any other regular bills, income protection is worth considering, this policy will pay you a regular income until you retire or become able to work, supporting you financially. 

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

Why choose Sports FS for life insurance for motorcycle riders?

Sports Financial Services are a team of insurance experts who specialise in cover for extreme sports and hazardous occupations. We have access to the whole market meaning we can get you the best coverage at the best rates. This, combined with our wealth of knowledge and understanding of your sport, means that you can be confident knowing that we will ensure you have the right level of cover for your activities. We know how important it is to get life insurance for motorcycle riders at the right price.

For a free, no obligation quote, please do not hesitate to get in touch.

Canoeing is a recreational boating activity or paddle sport in which you propel yourself using a paddle, under your own power. It is a great way to explore the world from a different perspective and a popular sport people enjoy both as a method of relaxation or exercise. Since water sports come with added risks such as unpredictable currents, overhanging or submerged branches and extreme weather conditions, you may be interested in life insurance for canoeing.

What is life insurance for canoeing?

A life insurance for canoeing policy can be put in place to protect your loved ones financially in the event of your death. The cash sum can be used by your family to help cover everyday living expenses such as bills, rent, mortgage repayments or childcare. 

What other types of insurance for canoeing do you offer?

Anyone with a family, and particularly anyone who participates in a high risk sport or occupation should consider life insurance, critical illness cover or income protection. This can provide you with financial peace of mind knowing you, your loved ones and your assets are protected should you be unable to sustain an income as a result of an injury, sickness or death. 

Income protection

This type of cover is also worth considering which involves an insurer paying benefits to a policyholder who has become incapacitated. So, if you become unable to work due to illness or accident, income protection during the term of your policy, you will be financially protected. Put simply, if you become unable to work, income protection makes sure you receive a regular income until you retire or are able to return to work.

Critical illness

We also provide critical illness cover, this policy provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities during the term of your policy. This tax-free, one off payment can help you pay for treatment, mortgage or rent payments, or even changes to your home such as wheelchair access (should you need it).

Hazards of canoeing

Although canoeing may appear to be a relatively chilled out sport, it is important to be aware of the risks involved. After all, this sport is not considered higher risk for no reason. Here are some of the main hazards to know about:

• Water- drowning, contraction of illnesses.
• Rubbish- cuts
• Unpredictable weather- hypothermia, immersion hypothermia
• Cold water- hypothermia, immersion hypothermia
• Locks/ weirs- getting caught in deep recirculating hydraulics

Why chose Sports FS for life insurance for canoeing?

Sports FS have over 20 years of experience and knowledge providing life insurance for extreme sports. Our advisors have a sound knowledge of canoeing and access to the whole market. This means we can get you the right level of cover for your sports and at the best rates. Here are some of the benefits of working with Sports FS:

• Specialist cover designed for your sport
• We can save you valuable time and confusion
• Our quote takes your sea kayaking activities into account (so is more accurate)
• Endorsed buy The Outdoor Industries Association (OIA)

What is the difference between canoeing and kayaking?

If you are not an avid canoeist or kayak enthusiast, you may be wondering what the difference is between the two. One of the key differences is the paddle used. Typically, in canoeing, a single-bladed paddle, whereas kayak paddles tend to be double-bladed. 

Other differences include that canoes are much bigger than kayaks and are built with wide frames and open tops. Canoes are traditionally designed to carry more people and more equipment. Kayaks on the other hand provide less space but come in a much sleeker design.

More about canoeing

Since civilization started, the canoe has been a staple piece of equipment. The earliest known canoe artefact is the Pesse Canoe in the Netherlands. Carbon dated between 8040 and 7510 BC, the canoe was discovered by a farmer in 1955 when an area near his home in Pesse was being dug up to make a roadway. Over the years the materials in which canoes are made has varied considerably from carved trees to high tech fibres and resins. While it’s hard to give a specific date to their construction (due largely to Western Colonialism), the Senegalese coast in West Africa has a fascinating canoeing tradition.

Sea kayaking is an excellent sport choice for anyone wanting to get some exercise, explore the coast or undertake a longer distance paddling expedition. It is, however, important to consider that this activity is challenging and demands a certain fitness level and skill. If you regularly participate in this sport, you may be interested in sea kayaking insurance.

Each year, more and more people take up sea kayaking to appreciate the coastline from a different perspective and get the chance to spot the seals and seabirds who inhabit this wild environment. This has led to an increase in sea kayaking related injuries, luckily, with the right cover in place, you can enjoy your sea kayaking activities with financial peace of mind.

What types of sea kayaking insurance do you offer?

Sports Financial Services were first founded more than 20 years ago as Summit Financial Services, dedicated to finding  the best insurance for mountaineers. Over the years, many of our mountaineering clients came back to us, looking for other specialist sports insurance. 

We soon realised it was time to develop our expertise in a wider range of high risk sports and outdoor activities to cater for those people in need of cover. As a result, Sports Financial Services was born. 

We specialise in three types of sea kayaking insurance; life insurance, critical illness cover and income protection. The underwriting for specialist life insurance can vary depending on a number of factors such as; your insurance provider and your level or participation in said sport. We will talk you through all of this in detail and answer any questions you may have.

Life insurance

A life insurance policy is a contract held between a policyholder and insurer. This type of policy involves an insurer promising to pay a designated beneficiary a sum of money upon the death of the insured policyholder. 

In the case of a regular sea kayaker, your risk of injury and death are increased due to the risk and unpredictability of any sea activities. Therefore, it is important to get the right level of cover to ensure you and you and your loved ones are financially protected should the worst happen.                

Critical illness cover

Another type of sea kayaking insurance you may want to consider is critical illness cover. This can cover certain illnesses or medical conditions that could disrupt your life, family or finances.

Income protection

Sports Financial Services also offer income protection, a form of protection which can provide you with peace of mind that should you face an illness or injury that prevents you from working, your finances are covered. If you have any type of loan, mortgage or regular bills, it’s important to consider how you would meet these payments if you lost income as a result of being unable to work. 

Cover for some sports can be offered at standard rates with no special terms imposed whilst participation in other sports may result in premium loadings, special terms, restrictions or exclusions. Your sports specialist at Sports Financial Services will talk you through the options available to you based on a number of factors such as your sea kayaking activities, occupation and lifestyle. 

Why choose Sports FS for sea kayaking insurance?

As a specialist insurer, we have access to the whole market, the best deals and most importantly, we have an excellent understanding of your sport and the level of cover you need. Having the right cover is crucial because it ensures that you are protected should anything happen as a result of your sea kayaking activities. 

• Specialist cover designed for your sport
• We can save you valuable time and confusion
• Our quote takes your sea kayaking activities into account (so is more accurate)
• Endorsed buy The Outdoor Industries Association (OIA)

More about sea kayaking

Contemporary sea kayaking is said to have originated from the native boats of Russia, Alaska, North Canada and Southwest Greenland. Inuit (formerly known as Eskimo) hunters developed these streamlined sea craft as a way to make hunting seals and walrus easier. Whilst it is unclear exactly where and when this technology was first invented, it is predicted to be at least 4,000 years old. 

The modern name “kayak” is derived from the ancient Aleutian “iqyak“, meaning “man-boat” or “hunters-boat.” The hunter’s family would carry camp and supplies in a larger type of kayak called an “umiak”.

Today, sea kayaking is used more commonly as a method of exploration or sport instead of hunting. As kayak designs began to advance using modern materials it’s interesting to see that kayaks still look, feel and perform very much like the original kayaks. This shows that despite all of our modern technology and software used for engineering, we cannot really improve the intuitive design created by the kayaks’ original innovators. 

Contact us for sea kayaking insurance advice and cover