Category: Sports

Whether it is the call of the Karakorum or ascents in the European Alps, or similar mountainous challenges, then speak to Sports Financial Services about mountaineering insurance cover. We provide specialist life insurance, mortgage protection, income protection and critical illness cover. 

We understand mountaineering since we were originally founded as Summit Financial Services, over 20 years ago, to provide cover for climbers and mountaineers. As climbers enquired with us about cover for many other outdoor sports (e.g. canoeing, skiing, skydiving and cycling), we developed Sports Financial Services to meet the needs of a wide variety of other active outdoor sports participants. 

Why do I need mountaineering insurance cover?

If you are a new mountaineer getting to grips with new skills (like crevasse rescue), a seasoned mountaineer adding to your tick list, or a professional mountain guide/instructor looking for the right level of financial protection then please give us a call to discuss your needs.   

The reason you might need mountaineering insurance cover is because the nature of the activity demands a certain level of technical skill. What’s more, mountaineering is undertaken in environmentally challenging and geographically remote environments. This means it can often require more specialist types of cover. If you would like to discuss the right life insurance, critical illness cover or income protection cover for mountaineering you have come to the right place.

What is mountaineering insurance cover?

The underwriting of mountaineering life insurance, income protection and critical illness cover can vary depending on your insurance provider as well as your level of participation in your sports / activities. For this reason, specialist sports financial advice can be beneficial in obtaining the right cover for you, your circumstances and all aspects of your chosen sport and lifestyle. 

 

Often, when looking for specialist insurance for extreme sports like mountaineering you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports life insurance may cost more due to these additional requirements. 

 

Our 20-year history of helping outdoor sports people means that we understand mountain sports. We know exactly what questions to ask to ensure we get the cover you need. Here are some areas that insurers might consider when assessing your enquiry for mountaineering cover:

• How is your health, family history and lifestyle (e.g., smoking / alcohol consumption)? 

• What is your current occupation and does your work take you on international travel?
• What type of mountaineering activities do you pursue (e.g., rock climbing, mixed climbing, ice climbing, ski mountaineering?)
• How long have you been participating in mountaineering?
• What is your mountaineering climbing grade (e.g., Scottish Winter, UIAA)?
• Do you have any mountaineering qualifications?
• What is the maximum altitude you ascend to participate in mountaineering?
• Are you a member of the Sport’s Governing Body? (e.g., British Mountaineering Council or Mountaineering Scotland  or Mountaineering Ireland)
• Do you have any pre-existing medical or health conditions?
• How often do you engage in mountaineering?
• What geographic locations do you travel to participate in mountaineering – UK, Europe or Worldwide destinations?

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

Mountaineering insurance cover: critical illness cover and income protection

Critical Illness Cover:

With financial protection there are a number of options available, one of them being critical illness cover. This type of insurance is there to cover certain illnesses or medical conditions that could disrupt your life or your families relating to finances. If you are someone who has a high risk occupation or takes part in a hazardous hobby like mountaineering, cover will be assessed differently. 

In many cases, it is possible to get critical illness cover for mountaineering at standard rates without any premium loadings or special terms imposed. Ultimately this does depend on the nature of your mountaineering activities. Fortunately, with the help of Sports Financial Services, we can talk you through the options available to you based on factors such as your job, lifestyle and of course your mountaineering activities. 

Income Protection:

As well as the option for critical illness cover, another important cover to consider is income protection. This is particularly important if you take part in hazardous sports like mountain climbing. Income protection provides you with financial protection if you are unable to work as a result of sickness or injury. If you have a mortgage, loan or regular bills you may want financial peace of mind knowing that you can still meet these payments 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 mountaineering and whether they have caused you to have a significant amount of time off work. It is important to remember that with any extreme sport you can expect premium loadings or exclusions but your advisor will discuss this with you.

 

Different types of Mountaineering Activities 

Whatever type of mountaineering you pursue please call us to discuss your needs. Examples of different types of activities you may want to discuss with us are:

• Alpine multi pitch rock climbing
• Alpine mountaineering
• High level hut-to -hut trekking
• Rock climbing 
• Ice climbing
• Skiing 
• Ski mountaineering
• Ski touring
• Snowshoeing

Obviously, this list is not exhaustive and we can offer cover for a wide range of other sports as well – please contact us to discuss your needs. Mountaineering can be a challenging sport and managing the risks (e.g. acclimatisation, operating at extreme heights, avalanche awareness, crossing crevasses, operating in remote locations, rockfalls and safely protecting yourself from the elements) can be a necessary part of the sport. If you have a question about insurance cover, whatever your level of mountaineering participation, don’t hesitate to give us a call.   

Why choose sports financial services for your mountaineering insurance cover?

With 20 years of insuring mountaineers, we know how important it is to find insurance for mountaineering at the right price. Even though you might have been declined mountaineering life insurance in the past, experienced problems or maybe you have an insurance policy in place, it may be worthwhile giving us a call. We can help by ensuring your existing policy is up to date or give advice if you have had issues obtaining mountaineering insurance cover in the past.

 

If your passion for outdoor sports extends beyond mountaineering, we also offer cover for a number of high-risk sports such as:

• Hang gliding life insurance 
• Kayaking life insurance
• Cycling life insurance

And more! Speak to one of our mountaineering specialist advisors today to find out more.

Snowboarding offers excitement and fun, but have you considered how an accident could impact your finances? Having snowboarding insurance is the best way to ensure financial peace of mind. Because winter sports like snowboarding involve skill and take place in demanding conditions, specialised insurance coverage is often essential.

If you are looking for specialist snowboarding insurance cover, you have come to the right place. Originally founded as Summit Financial Services over 20 years ago, we started out providing financial protection services for mountaineers. Through word of mouth, more and more enquiries came through from outdoor sports people looking for specialist extreme sports cover. Here, Sports Financial Services was born. We expanded our scope to encompass a range of activities including snowboarding and over the years have deepened our knowledge in a variety of sports to ensure we have expert understanding of each sport. Our knowledge and understanding of sports allows us to ask the right questions to get you the level of cover you need, at the best rates. 

What does snowboarding insurance cover?

As with any extreme sport, the underwriting of snowboarding insurance cover can vary depending on your level of participation in the sport and who your insurance provider is. One of the main reasons it is important to go with a specialist is because it can be beneficial in obtaining the right cover for you and all aspects of your chosen sport.  Often, when looking for specialist insurance for extreme sports like snowboarding you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports life insurance may cost more due to these additional requirements. 

Our 20-year history of helping outdoor sports people means that we understand mountain sports and when it comes to snowboarding life insurance, we understand the needs of those who enjoy the mountains. Here are some areas that insurers might consider when assessing your enquiry for snowboarding cover:

• What is your occupation and does your work take you on international travel?
• What type of snowboarding activities do you pursue (e.g., mountain, freestyle, piste, off-piste or prepared ski park?)
• How long have you been participating in snowboarding?
• What level of piste run do you follow when snowboarding?
• Do you participate competitively in snowboarding?
• What is the maximum altitude you ascend to participate in snowboarding?
• Are you a member of the Sport’s Governing Body? (e.g., Ski Club of Great Britain www.skiclub.co.uk )
• Do you have any pre-existing medical or health conditions?
• What is your frequency of engagement in snowboarding?
• What is the maximum altitude at which you snowboard?
• What geographic locations do you travel to participate in snowboarding – UK, Europe or Worldwide destinations?

These questions will help us gather the information that insurance companies need regarding you and your lifestyle.

Snowboarding insurance cover- Critical Illness and Income Protection

Critical Illness Cover:

Anyone who takes part in extreme sports like snowboarding and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of snowboarding activities will be assessed differently. But what is critical illness cover? Well, as the name suggests, it is a way to cover specific critical illnesses or medical conditions that could affect your finances. 

Although some sports insurance can be offered at standard rates without any special terms imposed, you can expect premium loadings, exclusions or restrictions depending on the details of your sport and its level of risk. To find out more regarding your critical illness cover options, get in touch. Sports Financial Services will walk you through your options based on factors including your snowboarding activity, job and lifestyle.

Income Protection:

Another important cover to consider is income protection, particularly if you take part in high-risk sports like snowboarding. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. If you have any financial commitments, income protection is important because it provides you with the ability to meet these payments should you suffer 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 snowboarding and whether they have caused you to have a significant amount of time off work. Again, like critical illness cover, participation in some sports may result in premium loadings, restrictions or exclusions. But, don’t worry, your snowboarding insurance cover adviser will discuss your needs and the options available to you.

Different types of Snowboarding Activities 

Whatever type of snowboarding you pursue please call us to discuss your needs. Examples of different types of snowboarding activities you may want to discuss with us are:

• Backcountry snowboarding
• Downhill snowboarding 
• Heli snowboarding
• Off piste snowboarding
• Piste snowboarding

In addition, if you pursue other extreme outdoor sports, we will also be happy to discuss the availability of life insurance, income protection and critical illness cover for other activities, for example: 

• Skiing
• Alpine climbing
• Rock climbing
• Mountaineering 
• Ice climbing
• Ski mountaineering 

Snowboarding can be a challenging sport and managing the risks (e.g. making avalanche assessments, crossing crevasses, operating in remote locations, rockfalls and safely protecting yourself from the elements) can be a necessary part of the sport. Other actions could include things, such as:

• Knowing if your chosen snowboard route is within your skills, abilities and fitness
• Choosing and packing suitable clothing and equipment
• Checking ski lift opening times, closing times and passes
• Checking weather, visibility, sunset times and avalanche risk
• Letting people know where you are going and when you will be back

In our long history, we’ve supported people involved in endeavors high above the ground, be it climbing mountains or trees, for work or leisure. Sports Financial Services was founded more than twenty years ago to address the distinct financial requirements of our customers looking for life insurance.

As climbers and mountaineers sought insurance coverage for life, income, mortgage, and critical illness related to their professional activities, they relied on us for financial protection. These professions encompassed responsibilities like working at elevated levels, rope access assignments, and tree maintenance.

Continue reading “Tree Surgeon Insurance”

Whether you enjoy local circuit gliding flights or long-distance cross-country gliding excursions, you may be interested in financial protection for peace of mind. To learn more about the gliding insurance options available to you for Life Insurance, Income Protection or Critical Illness cover, get in touch with Sports Financial Services. We have a long history of helping those who enjoy extreme sports and hazardous pursuits.

Our heritage started over 20 years ago, when we were initially established as Summit Financial Services to meet the financial protection needs of mountaineers and climbers. As time went on, we realised that the same climbers and mountaineers who sought financial protection for their recreational activities were also starting to enquire with us about financial protection for a range of other outdoor sports such as canoeing, skiing, cycling, sailing, paragliding and skydiving. As a result, Sports Financial Services was born to help extreme sports enthusiasts find financial protection for their hazardous recreational activities. Over the years we have developed a deep understanding of extreme sports such as hang gliding. So, if you are a glider pilot, and are concerned that an accident or worse could impact your ability to meet your household bills, meet mortgage payments, pay credit card bills or provide for a family then please contact the experts to discuss the financial protection options available to you.

How we can help with gliding insurance

Our experienced team at Sports financial Services can discuss the gliding insurance options available to you. We can discuss life insurance, income protection, mortgage protection and critical illness cover in order to help meet mortgage commitments or provide for a family should an accident or worse happen whilst gliding. We have built a strong understanding of the needs of those who work in and participate in hang gliding. This makes us able to discuss the different aspects of your air sport in order to understand your needs. This helps us determine the various financial protection products that are available to you and best suit your needs.

In addition, you may want to chat to us about the availability of cover for related air sports, such as:

• Hang gliding (single, tandem, powered)
• Paragliding
• Paramotoring
• Parascending
• Hang gliding
• Micro lighting
• Small fixed wing aircraft

Even if you have an existing policy in place for your gliding activities, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation. Also, it is worth considering that different insurers come to the market over time and others may change their terms. This can mean that different and potentially better terms are available now that were not available when you first applied.

Enquiring about gliding insurance

As an extreme sport and extreme occupation specialist, we have developed a specific knowledge and experience in this market. Sports Financial Services have 20 years experience in the industry of extreme sports financial protection. Over this time we have built a strong knowledge and understanding of the industry of extreme sports. We specialise in three main types of financial protection. If you are interested in gliding insurance relating to the following, please do not hesitate to get in touch:

• Life Insurance
• Income Protection
• Critical Illness Cover

When enquiring about gliding cover, we want to make sure you know what to expect from the process. We will ask a number of questions relating to the specifics of your gliding activities and any other activities you declare to us. From here we can identify if there are any loadings, restrictions or even exclusions that might be applied to particular types of insurance policies.

Top tip: If you keep up a consistent health regime or partici[ate in a regular fitness plan, it may be worth mentioning this to us. We can discuss policies that monitor your fitness via tracking apps or a watch and could reward you for working hard to remain healthy.

Gliding insurance – Frequently Asked Questions:

When you enquire about cover, for piloting gliders, with Sports Financial Services we will take into consideration a number of work and lifestyle factors. Here are some of the most frequently asked questions regarding gliding insurance:

• Do I incur premium loadings because I pilot gliders?
• Because I pilot gliders are there any restrictions or exclusion to policies to the type of policies that are available to me?
• Can I obtain Life Insurance because I participate in gliding?
• Is Critical Illness or Permanent Disability Cover available because I participate in gliding?

In order to make the process smoother for you, you will be allocated a personal advisor to assist you with your individual enquiry. Your personal advisor will discuss your needs and ask certain questions that are relevant to your extreme sport or hazardous occupation. From here we can then discuss which options are available to you. Here are some of the information you can expect us to discuss when walking you through the enquiry:

• Discovering what you do and your particular needs.
• Researching providers of protection- this is to learn more about the availability of cover for the type of gliding activities you pursue.
• Liaising with insurers to get you the best cover.
• Discussing if there are any other considerations that are relevant to your insurance which could lead to restrictions, loadings or exclusions (e.g. as a result of:, your health or gliding activities)
• Discussing costs and payment terms and premium options.
• In some cases we may need to obtain doctors reports or undertake medical screening.

‘’What can I expect when I make an enquiry about cover for gliding?’’

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 and 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.

How do I find out more about gliding insurance cover?

Enquiring about cover with us is simple, however, as with any enquiry for this type of cover it is important that you declare all relevant information. Some questions you can expect to be asked are fairly typical such as your age, current health, medical history, weight, lifestyle etc. After that we will delve deeper into understanding your activity to make sure we get you the right gliding insurance. Therefore we might ask some of the following questions:

• What type of gliding do you do?
• What type of aircraft is flown?
• How often do you glide?
• How long do you usually fly for at a time?
• Do you have a gliding licence or qualifications or background experience?
• Do you participate in any flying instruction, competitions, record attempts or test pilot activities?
• Which is your governing body membership (e.g. British Gliding Association)
• What type of participation in piloting (recreational / professional)
• What is the location of flying activities (UK, Europe and/or worldwide)

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 required, how long you want the policy for and the type of policy.

‘I already have Life Insurance, Income Protection or Critical Illness policy in place for gliding?’

If you already have some form of financial protection in place elsewhere, it may be worth getting in touch with Sports Financial Services. Even though it may only be to give you peace of mind, we can look into your cover and premiums to make you aware of whether they are comparable with other products in the market at present. Moreover, those who operate a Limited Company or operate at Director level then you may want to consider discussing the availability of different cover options with us such as Key Person Insurance or Relevant Life Cover. Call us on: 0345 565 0935.

Whether you enjoy weaselling, potholing or caving then speak to Sports Financial Services about Caving Insurance, Mortgage Protection, Income Protection or Critical Illness Cover. We’ll help shine a light on your options for financial protection available to you for your underground adventures.

We have a long association with the outdoors and outdoor pursuits. We were originally established as Summit Financial Services (www.summit-fs.co.uk), over two decades ago, to meet the needs of climbers and mountaineers. Over time we discovered that there were a distinct number of climbers were also interested in caving, potholing and many other outdoor pursuits (e.g., cycling, mountain biking, canoeing, fell running, skiing, sailing, skydiving). These same clients sought out financial protection from us for those activities as well. As a result, Sports Financial Services was born to help extreme sports enthusiasts find financial protection for their hazardous recreational activities.

So, if you are a caver, and are concerned that an accident or worse could impact your ability to meet your household bills, meet mortgage payments, pay credit cards bills or provide for a family then please contact us to discuss the financial protection options available to you.

Caving Insurance

Wherever your caving takes you we will be happy to discuss your financial protection needs. Due to our experience of working with clients in a range of different outdoor sports such as caving and potholing we are happy to speak to you in detail about your financial protection needs. Our experienced team at Sports financial Services can discuss the options available to you for life insurance, income protection, mortgage protection and critical illness cover. This is in order to ensure you have a plan in place to help meet mortgage commitments, pay bills or provide for a family should an accident or worse happen whilst caving.

Caving Insurance Company

Over the years, we have developed a deep understanding of the needs of those who work in extreme sports like caving and are happy to discuss the different aspects of your particular type of caving. This will help us to determine the different financial protection products that are available to you. Even if you have an existing policy in place for your caving activities, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation. Also, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place now than when you first applied, we could help you find better caving insurance cover.

Financial protection for caving

It may be worthwhile getting in touch with us to discuss the availability of different financial protection options available in relation to your hobby, life and job such as:

• Caving insurance
• Critical Illness Cover
• Income Protection for caving

Subject to the type of occupational and recreational activities that you pursue there may be loadings, restrictions or exclusions applied, particularly when it comes to . Sports Financial Services work with the whole market to find financial protection and are not restricted to a captive or select number of products. This means working with many insurance companies to identify where your requirements and higher risk activities fit with policies that are currently available in the market.

Caving Insurance – Frequently Asked Questions:

When you enquire about cove for caving with Sports Financial Services we will take into consideration a number of sports, work and lifestyle factors. A personal adviser will be allocated to your individual enquiry and will discuss with you the specific questions that relate to you, your work, your lifestyle and the options available to you.

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

• Do I incur premium loadings because I cave?
• Because I undertake caving activities, are there any restrictions or exclusion to policies that are available to me?
• Can I obtain Life Insurance because I participate in caving?
• Is Critical Illness or Permanent Disability Cover available because I participate in caving?

What is the process of applying for Life Insurance, Income Protection or Critical Illness Cover?

If you enquire about cover with us, we will discuss a number of details in relation to you, your occupation and your lifestyle. It is important that you declare information about caving if that is the particular extreme sport you participate in. As with any enquiry it is also crucial that you share information regarding pre-existing medical conditions. This is to ensure we can walk you through the process correctly and get the suitable cover for your needs.

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of protection and the availability of cover for the type of caving activities you pursue
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions for you as a result of the information you have disclosed (e.g., your health or caving activities)
• Discussing premium options, costs and payment terms.
• If required, obtaining doctors reports or undertaking medical screening (for certain types or levels of cover)

Often, the availability of cover and premiums is dependent on a variety of factors. As mentioned above, these factors include anything from your occupation and lifestyle to health and family history. What’s more, identifying the amount of cover that is appropriate for you will also take your needs such as covering bills and mortgage payments into account.

Information you may need to disclose for caving insurance

Enquiring about caving cover is simple with Sports-FS. As long as you disclose all of the important information we need to be aware of- this is to ensure we get you the right cover.. Here are some common questions you can expect to get asked when enquiring about caving insurance with us:

• Your current health, medical history and any pre-existing medical conditions
• Your age
• Height
• Weight (lbs, kg, body mass index)
• Your lifestyle (smoking, alcohol consumption)
• Your caving participation
• Type of caving activities pursued
• Frequency of caving
• Participation in any record attempts or new route exploration
• Governing body membership (e.g., British Caving Association www.british-caving.org.uk )
• Participation in cave rescue and membership of the Cave Rescue Association
• Location of caving activities (UK, Europe and/or worldwide)
• 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:

• Amount (£) of financial protection required
• The duration of policy – number of years cover is required for
• The type of policy you required – e.g., increasing, decreasing or level term cover

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

Why would life insurance be denied?

Life insurance may be denied due to pre-existing health conditions, high-risk lifestyles, or incomplete/incorrect information on the application. Additionally, non-disclosure of relevant medical history, engaging in hazardous activities, or financial concerns may result in a denial. It’s vital to provide accurate information and address any concerns with your insurance agent.

However, 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. In addition, for those who operate a Limited Company or operate at Director level then you may want to consider discussing the availability of different cover options with us such as Key Person Insurance or Relevant Life Cover.

What are the main 3 types of life insurance?

The three main types of life insurance are term life insurance, whole life insurance, and universal life insurance. Term life provides coverage for a specific term, while whole life offers lifelong coverage with a cash value component. Universal life combines flexibility with a cash value element and allows policyholders to adjust premiums and death benefits over time.

Are your cycling pursuits driven by competitive aspirations (such as the Olympics, UCI World Championships, or Tour De France), fitness goals (like road cycling or mountain biking), leisurely enjoyment (such as cycle touring), or simply commuting? No matter where your cycling adventures take you, consider reaching out to Sports Financial Services for Life Insurance tailored to cyclists, Mortgage Protection, Income Protection, or Critical Illness Cover.

At Sports Financial Services, our heritage goes back to over two decades ago when we were established as Summit Financial Services (www.summit-fs.co.uk) to cater to the needs of climbers. Over time, our reputation grew through recommendations and word of mouth, attracting inquiries from various outdoor sports enthusiasts. This evolution led to the creation of Sports Financial Services, enabling us to address the financial protection requirements of participants in a wide range of outdoor activities, including cycling.

As specialists, we understand that even within sport there are different sub-disciplines, different needs by participants and within cycling even different types of bikes, for example:

• Aerobike
• BMX
• City bike
• Commuter bike 
• Cruiser
• Cyclocross Bike
• Electric bike / E-bike
• Fixed Gear
• Folding Bike
• Full suspension bike 
• Gravel bike 
• Hybrid bike
• Mountain Bike – cross country
• Mountain bike – downhill
• Racing bike
• Road Bike
• Recumbent Bike
• Touring Bike
• Track Bike

So, if you are a cyclist, and are concerned that an accident or worse could impact your ability to meet your household bills, meet mortgage payments, pay credit card bills or provide for a family then please contact us to discuss personal accident insurance cycling. 

Life Insurance For Cycling

Due to our experience of working with participants in a range of different outdoor sports such as cycling we are happy to speak to you in detail about your financial protection needs. Our experienced team at Sports financial Services can discuss the options available to you including life insurance for cycling, income protection, mortgage protection and critical illness cover. So, before you prepare your essentials for your next cycling trip, for example:

• Bike
• Helmet
• Shorts
• Jersey
• Gloves
• Hat
• Waterproofs
• Tights
• Shoes
• Lights 
• Water bottle(s)
• Pump
• Puncture / bike repair kit
• Cycle computer (e.g., Garmin Edge)
• Food and nutrition
• Phone
• Cards and cash
• Bike lock and keys

Give us a call to discuss your financial protection needs.

Sports-FS Life Insurance For Cycling

We have built a strong understanding of the needs of those who work in extreme sports and are happy to discuss the different aspects of your cycling in order to understand your needs and determine the various financial protection products that are available to you. Call today to discuss the financial protection options in relation to the type of cycling in which you participate, for example:

Travel

1. Commuting
2. City cycling 

Cycling for leisure 

1. Bike packing
2. Cycle expeditions
3. Cycle touring
4. Fitness cycling
5. Mountain biking
6. Road touring

Cycling for challenge

1. Criterium
2. Cross country mountain biking
3. Endurance cycling
4. Road racing
5. Stage races
6. Time Trials
7. Tours
8. Track cycling
9. Triathlon

Even if you have an existing policy in place for your cycling activities, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation.  Also, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place now than when you first applied. 

Financial protection for those who enjoy cycling

You may want to discuss the availability of different types financial protection in relation to your life, recreation and occupation, e.g.,

• Life Insurance for cycling
• Critical Illness Cover for cycling
• Income Protection for cycling

Contingent on the type of activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cycling cover.  We work with the whole market to find financial protection and are not restricted to a captive or select number of products. This allows us to identify your requirements and where higher risk activities fit with policies.

Enquiring About Life Insurance for Cycling

As an extreme sport and extreme occupation specialist, we have developed a specific knowledge and experience in this market. 

Broadly, we specialise in three types of protection:

1. Life Insurance – typically a lump sum to pay off a mortgage, debts or provide for a family in the event of death. 
2. Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy. 
3. 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 may be something to discuss with us.

Depending on the specifics of your cycling (and the other activities you declare to us) there may be loadings, restrictions or exclusions applied to certain types of cover.

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 (via tracking app on a phone or watch) and reward you for keeping fit and healthy.

Frequently Asked Questions on Life Insurance For Cycling

When you enquire about cover for cycling with Sports Financial Services, we will take into consideration a number of sports, work and lifestyle factors. A personal adviser will be allocated to your individual enquiry and will discuss with you the specific questions that relate to you, your work, your lifestyle and the options available to you. 

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

• Does my cycling activities mean I Incur premium loadings
• Are there any restrictions or exclusion to policies that are available to me as a result of my cycling activities?
• Will cycling prevent me from obtaining life insurance cover?
• Is Critical Illness or Permanent Disability Cover available because I participate in cycling?
• Is Income Protection available to me due to my type of cycling activities?

How do I find out more about cycling cover?

Enquiring about cover and life insurance for cycling with us is quick and easy. As with any enquiry for this type of cover it is important that you declare all relevant information such as your cycling activities, occupation, lifestyle, medical, hazardous activities and other questions completely. Common questions could include (where applicable): 

• Your current health, medical history and any pre-existing medical conditions
• Your age
• Height
• Weight (lbs, kg, body mass index)
• Your lifestyle (smoking, alcohol consumption)
• Cycling participation
• Cycling activities pursued
• Frequency of cycling
• Governing body membership (e.g., British Cycling)
• Location of cycling activities (UK, Europe and/or worldwide)
• Current income (for an enquiry for Income Protection)
• Amount (£) of financial protection required
• The duration of policy – number of years cover is required for
• The type of policy you required – e.g., increasing, decreasing or level term cover

Does life insurance cover cycling?

Typically, life insurance covers death resulting from cycling accidents. However, it’s crucial to review policy details, as coverage may vary. Some insurers might exclude extreme cycling activities or require additional riders for comprehensive protection. Consult your policy documents or speak with us here at Sports FS for specific information on cycling coverage.

Does life insurance cover mountain biking?

Life insurance generally covers mountain biking, but the extent of coverage may depend on the policy and specific circumstances. It’s advisable to check your policy documents to ensure that mountain biking is not excluded or to explore the option of adding specific riders for adventurous activities. Insurance providers may have varying terms, so reviewing the details and discussing any concerns with your insurer can help ensure adequate coverage for mountain biking enthusiasts.

If you are looking for life insurance for rock climbing then speak to one of our specialist advisers today.

We have a long association with climbers having first established Summit Financial Services ( www.summit-fs.co.uk ) over 20 years ago to meet the financial protection needs of climbers and mountaineers.

As climbers sought life insurance, income protection, mortgage protection and critical illness cover for their activities they also expressed interest in cover for a diverse array of other outdoor sports. This led us, over time, to develop Sports Financial Services to meet the financial protection needs of many other hazardous and extreme outdoor sports, for example:

• Cycling
• Canoeing
• Caving
• Kayaking
• Mountain biking
• Mountaineering
• Scuba diving
• Skiing
• Ski mountaineering
• Sailing
• Sky diving

The same team that administers rock climbing enquiries for Summit Financial Services also administers enquiries for Sports Financial Services. So, as a rock climber, you benefit from our long experience of helping climbers and mountaineers with financial protection.

Rock climbing insurance

Whether you are a beginner or veteran climber we will be happy to speak to you to discuss your financial protection needs.

Because of our experience we will be happy to discuss the types of climbing you undertake, e.g:

• Bouldering
• Deep water soloing
• Lead climbing
• Trad climbing
• Top roping
• Sport climbing
• Via Ferrata

And your climbing grade(s), e.g.,

• French climbing grades
• UIAA climbing grades
• UK adjectival grades
• Moderate (M)
• Difficult (D)
• Hard Diff (HD)
• Very Difficult (VD)
• Hard Very Difficult (HVD)
• Severe (S)
• Hard Severe (HS)
• Very Severe (VS)
• Hard Very Severe (HVS)
• Extremely Severe (E1, E2, E3, E4….)
• UK technical grades
• Bouldering grades
• Via ferrata grades

Life insurance and rock climbing

Due to our experience of working with rock climbers, we are happy to speak to you about your climbing style, grade and participation.

Our experienced team at Sports financial Services can discuss the options available to you for life insurance, income protection, mortgage protection and critical illness cover to help meet mortgage commitments, contribute to bills or provide for a family should an accident or worse happen.

Insurance company for rock climbers

We have built a strong understanding of climbers’ needs and are happy to discuss the different aspects of your climbing in order to understand your needs and determine the various financial protection products that are available to you.

Even if you have existing cover in place, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation.

Also, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place now than when you first applied for cover.

We have also found that some climbers carry their recreation into their occupational activities. For example, a rock climber that is engaged in industrial rope access (IRATA) work or similar rope access activities. If you are engaged in a hazardous or dangerous occupation then you can also discuss the availability of cover for those activities as well.

Financial protection for rock climbers

There are commonly 3 types of financial protection that rock climbers like to discuss:

• Life Insurance
• Critical Illness Cover
• Income Protection

Subject to the type of rock climbing activities, other sports or occupational activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover and are not restricted to a captive or select number of financial protection products. This means working with many insurance companies to identify where your requirements and higher risk activities impact on the type of policies that are available to you.

 

Examples of factors that could affect premiums and the availability of cover include:

• Climbing altitude
• Climbing grade
• Type of climbing
• Professional engagement with climbing
• Climbing in remote areas or certain geographic regions
• Ice climbing

 

Applying for life insurance for rock climbing

Applications for rock climbing life insurance, mortgage protection, critical illness cover or income protection follow a similar format.

Typically, we’ll start by discussing your type and level of climbing participation including discussion of such things as grade(s), geographic climbing locations and altitude limits of your climbing.

As with any enquiry for this type of insurance cover, we’ll also ask some common questions to better understand you, your climbing and your lifestyle, such as:

• Your current health and any pre-existing medical conditions
• Your present occupation
• Your need for cover in relation to any outdoor instructional work or a hazardous occupation
• Your different type(s) of climbing (e.g., outdoor trad, sport, indoor, bouldering, Alpine climbing, Scottish Winter climbing)
• Your climbing grade(s) e.g.:
• Sport grade
• Trad grade
• French grade
• UIAA grade
• Alpine grade
• Scottish Winter Grade
• Via Ferrata grade
• Where you participate in climbing activities (e.g., UK, Europe, Worldwide)
• Your maximum climbing altitude
• Your sports governing body membership:
• British Mountaineering Council
• Mountaineering Scotland
• Mountaineering Ireland
• Your current income (if enquiring about cover for Income Protection)

Further to questions about your lifestyle, health, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required:

• Amount (£) of financial protection required
• The duration of policy – number of years cover is required for
• The type of policy you required – e.g., increasing, decreasing or level term cover

The combination of your climbing, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the financial protection options that will be available to your particular circumstances and the associated premiums.

Even if you have a policy in place elsewhere, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing how your cover and premiums compare with current market products.

To discover more about the benefits of cover for rock climbers please call and speak to an experienced adviser today.

You can call us for a free, no-obligation quote, on 0345 565 0935.

Alternatively, to enquire online, please click the link above and complete the 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 . Your personal adviser at Sports Financial Services will also be able to refer you to a contact at Suttons who best suits your interests.

Sports Financial Services: September 2021

Sports Financial Services were originally established as Summit Financial Services ( www.summit-fs.co.uk ), over 20 years ago, to meet the financial protection needs of climbers, hill walkers and mountaineers. Sports Financial Services naturally grew from this base of offering life insurance, mortgage protection, critical illness cover and income protection cover for climbers and mountaineers. In the early years we discovered that climbers and mountaineers would enquire about cover for a whole range of other outdoor sports such as cycling, canoeing, skydiving and skiing.

These requests for coverage of other extreme outdoor sports naturally led to the creation of Sports Financial Services, designed to cater to the increasing demand from participants of various extreme sports. Rest assured, the same experienced team that manages rock climbing enquiries for Summit Financial Services also handles those for Sports Financial Services – ensuring you benefit from our long-standing expertise in assisting climbers and mountaineers.

Life insurance company for rock climbers

The interest in rock climbing and associated activities, such as, outdoor adventure, extreme sports, outdoor recreation and adventurous activities has gained a greater profile in recent years. This could be driven by a number of factors such as greater participation on artificial structures at indoor climbing walls, training for rock climbing, rock climbing for fitness, engagement in more social fitness at climbing walls and greater media profile (e.g., Alex Hannold’s ascent of El Capitan or climbing in the 2021 Olympics).

In addition to indoor climbing, we understand that outdoor climbing can take place in a number of diverse environments, such as:

• Gritstone of Stanage Edge in the Peak District
• Limestone Malham in the Yorkshire Dales
• Slate Quarries of North Wales
• Gabbro of Cuillin Ridge on Skye
• Sandstone of Harrisons Rocks in East Sussex

Whether you are a beginner rock climbing, a social club climber or pushing routes extreme rock climbing we will be happy to speak to you to discuss your rock climbing insurance cover needs.

Understanding the needs of rock climbers

Because we have grown up providing life insurance cover for climbers, we understand the sport and are happy to differentiate between:

• Indoor rock climbing / Indoor climbing
• Outdoor rock climbing

And disciplines, such as:

• Bouldering
• Deep water soloing
• Lead climbing
• Trad climbing
• Top roping
• Sport climbing
• Via Ferrata

And climbing grades, such as:

• French grades
• UIAA grades
• UK adjectival grades (for example Moderate (M), Difficult (D), Hard Diff (HD), Very Difficult (VD), Hard Very Difficult (HVD), Severe (S), Hard Severe (HS), Very Severe (VS), Hard Very Severe (HVS) and Extremely Severe, the last category being split into E1, E2, E3 etc)
• UK technical
• Bouldering grades
• Via ferrata grades

Whatever style of climbing you pursue please speak to the experienced team at Sports financial Services today about rock climbing insurance, life insurance and financial protection to meet mortgage commitments or provide for a family should an accident happen.

Life insurance for rock climbing

As mentioned earlier, our long-standing connection with climbing has given us a rich history of supporting climbers and mountaineers. We’ll go over your climbing grades (trad, sport, UIAA, French, bouldering, Via Ferrata), the type of climbing you do, where in the world you climb, your maximum altitude, and your current climbing goals.

Our close association with many who enjoy the outdoors and extreme sports means that we understand that some people may be interested in enquiring about cover for a range of other outdoor activities, for example:

• Canoeing / kayaking
• Caving
• Cycling
• Mountaineering
• Mountain biking
• Skydiving
• Sailing
• Skiing / ski mountaineering

This list is not exhaustive and we can offer cover for a wide range of other sports as well – please contact us to discuss your mountaineering life insurance needs and more. In addition, we have found that some climbers carry their recreation into their occupation. For example, a rock climber that conducts industrial rope access (IRATA) work or similar rope access activities. If you are engaged in a hazardous occupation, you can also speak to us about the availability of cover for that as well.

Insurance company for rock climbing

We have built a strong recognition of climbers’ needs and are happy to discuss the different aspects of your climbing in order to understand your needs and determine the various financial protection products that are available to you. Even if you have existing cover in place, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation. In addition, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place now than when you first applied for cover. We will be happy to discuss rates and the availability of cover for rock climbing life insurance, critical illness cover and income protection even if it only to provide you with peace of mind that the cover you have in place is comparable with current market offerings.

Rock climbing resources & links

Training/skills – Plas Y Brenin (National Mountain Centre): www.pyb.co.uk

Climbing forum – UK Climbing: www.ukclimbing.com

British Mountaineering Council: www.thebmc.co.uk

Mountaineering Scotland: www.mountaineering.scot

Mountaineering Ireland: www.mountaineering.ie

Life Insurance options for rock climbers

As a climber you may have different needs based on your interests, grade of climbing, type of climbing, current occupation, mortgage protection amounts and family needs.

There are commonly 3 types of financial protection that rock climbers like to discuss:

• Life Insurance – typically a lump sum to pay off a mortgage, bills or support a family in the event of death
• Critical Illness Cover – typically cover to provide financial peace of mind in the circumstance that you are diagnosed with a specific condition detailed in the policy
• Income Protection – if you have concerns that an accident or illness may stop you from working for a period of time then an Income Protection policy maybe something to discuss with Summit Financial Services

Subject to the type of rock climbing activities (or other sports) or occupational activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover and are not restricted to a captive or select number of financial protection products. This includes working with many insurance companies to identify where your requirements and higher risk activities impact on the type of policies that are available to you. Examples of factors that could affect premiums and the availability of cover include:

• Climbing above certain heights
• Climbing grade
• Type of climbing
• Professional engagement with climbing
• Maximum altitude
• Climbing in remote areas
• Ice climbing

FAQS