Category: Sports

At Sports Financial Services we have a long association with the providing financial protection and life insurance for rock climbers. We were first established, over 20 years ago, as Summit Financial Services ( www.summit-fs.co.uk ) to meet the financial protection needs of climbers and mountaineers.

As climbers began to enquire about financial protection for other sports, we went on to develop Sports Financial Services to offering life insurance, mortgage protection, critical illness cover and income protection cover for a range of other extreme and hazardous sports (e.g., cycling, canoeing, skiing, sailing, scuba diving and skydiving).

You can be reassured that the same team that handles rock climbing enquiries for Summit Financial Services also handles enquiries for Sports Financial Services. As a rock climber you benefit from our long experience of helping climbers and mountaineers with financial protection.

Life insurance company for rock climbing

Interest in rock climbing, mountaineering, outdoor adventure, extreme sports, outdoor recreation and adventurous activities has gained a greater profile in recent years.

This may be the result of a number of factors such as greater participation in climbing on artificial structures at indoor climbing walls, training indoors for rock climbing, rock climbing for fitness, socially motivated fitness at climbing walls and greater media profile of the sport (e.g., Alex Hannold’s ascent of El Capitan or climbing in the 2021 Olympics).

Whatever your standard, beginner or pushing higher grades, we will be happy to speak to you to discuss your financial protection needs.

Rock climbing and life insurance

Due to our heritage providing rock climbing life insurance, income protection, and critical illness cover for climbers we understand the sport and are happy to discuss different types of climbing, for example:

• 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

As part of the process when you enquire about cover, we’ll also discuss your climbing grade(s), such as:

• 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

Due to our experience, 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.

Rock climbers’ life insurance

Wondering why rock climbers should reconsider life insurance? Our long legacy of helping climbers and mountaineers means that we are confident to discuss your climbing grades, type of climbing, geographic climbing regions and climbing altitude.

In addition, we understand that some people may be interested in enquiring about cover for a range of other extreme and hazardous outdoor activities, for example:

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

This list is an example of the types of sports you can discuss with us and we can offer cover for a wide range of other sports as well – please contact us to discuss your rock climbing insurance and mountaineering life insurance needs.

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.

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.

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 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 information sources & website 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 and financial protection choices for rock climbers

As a climber you may have different needs based on your interests, climbing grade, type of climbing, current occupation, mortgage protection requirements 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, 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 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 climbers

Here we’ll take a quick look at how an application for rock climbing life insurance, mortgage protection, critical illness cover or income protection is processed.

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

As with any enquiry for life insurance cover, we’ll also ask some common questions to better understand you, your climbing and your life, 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

 

If you are scanning the horizon for Life Insurance for sailing activities then we are here to help.

Sports Financial Services was originally founded, over 20 years ago, as Summit Financial Services (www.summit-fs.co.uk) to provide Life Insurance for climbers, hillwalkers and mountaineers.

Over time we discovered, through word of mouth, that there were many other active outdoor sports people looking for cover for different outdoor sports (e.g., sailing, scuba, caving, canoeing, skiing and skydiving).

As a result, we developed Sports Financial Services, to expand our scope and offer financial protection for a wider range of extreme outdoor sports participants.

Such engagement with active outdoor enthusiasts has allowed us to develop the knowledge to assist many, who enjoy outdoor sports, to find financial protection to suit their needs.

To include your sailing activities on a Life Insurance policy, underwriters will also need to understand and assess a number of factors in relation to your wider health, lifestyle, sports participation and occupation.

We’ll look at these types of questions later in this article.

Insurance company for sailing

As extreme sports specialist we work with you to investigate what cover options are available to suit your needs.

We are happy to discuss the cover options that are available for a range of water-based activities such as:

• Canal boating
• Cruising
• Dinghy sailing
• Motor boat cruising
• Offshore sailing
• Powerboating
• Yachting
• Don’t worry if you don’t see your activity above. Because we specialise in sport you can speak to us about options for a wide array of sporting activities – just contact us to discuss your needs with one of our experts.

Life Insurance options for sailing

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

How do I find out more about sailing insurance cover?

Whatever drives your interest in sailing – skill, challenge, adventure, exercise, exploration or social connection – we are here to discuss your protection needs.

As outdoor sports specialists, we have developed knowledge and experience in providing financial protection for a wide range of extreme sports – so we can help save you time in finding financial protection to meet your needs.

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us

Depending on the type of water sports you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

You can also take assurance that we work with the whole of market rather than being restricted to a captive or select number of products /services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Sailing Life Insurance – some frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

Our regular engagement with people who participate in many sports means that we are happy to discuss a range of questions, such as:

• Do I incur premium loadings because of my sailing activities?
• Are there any restrictions to policies because of the activities I pursue?
• Can I obtain Life Insurance because of my sports, occupation and lifestyle?
• Is Critical Illness Cover available for my sporting pursuits?
• Because of my sport activities can I obtain Income Protection?

What is the process of applying for Life Insurance for sailing?

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

As with any enquiry for this type of cover it is important that you declare information about your occupation, lifestyle, pre-existing medical conditions, hazardous activities and other questions completely.

• This will assist us in guiding you through the journey of applying for cover:
• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of sailing you pursue
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed (e.g., your health or sailing activities)
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

Through our long history of working with active outdoor sports participants we have built an expertise in many different outdoor sports and knowledge of working with insurers and underwriters who provide cover for these sports.

What types of questions will I be asked when applying for sailing Life Insurance?

We will start with a personal fact-finding questionnaire to ascertain your needs and understand various aspect of your lifestyle, sailing and other factors sought by underwriters.

Common questions could include:

• Current occupation
• Employment in sailing industry (e.g., yacht crew / yacht delivery crew)
• Sport’s Governing Body membership (e.g., RYA)
• Participation – recreational or professional participation
• Age, health and fitness to sail
• Type of sailing activities
• Type of boat
• Location of sailing activities (e.g., inshore canals rivers or lakes / offshore UK waters, international waters or transoceanic travel)
• Frequency of participation
• Pleasure or racing
• Duration of participation (single day or multiday events)
• Participation in sailing competitions and challenge events
• Participating alone or as part of a crew (number of crew members)
• Sailing qualifications
• License, qualifications, background and experience
• Professional and / or instructional work
• National or international participation (UK, Europe and/or worldwide)
• Current income (for an enquiry for Income Protection)

A more specific list of questions will be based on your individual participation but could include, for example, your:

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

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

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

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

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

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

What if I run a business but enjoy extreme sports?

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

Next steps: what can I expect when I make an enquiry about cover for sailing?

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 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 to find cover that is suitable for their needs.

If you are looking for Life Insurance for piloting light aircraft then speak to Sports Financial Services.

We have developed an expertise in providing financial protection for a wide range of hazardous sports and hazardous occupations.

We were originally founded, over 20 years ago, as Summit Financial Services (www.summit-fs.co.uk) and have since grown and expanded to offer cover for many extreme sports.

Due to the risks inherent in flying light aircraft certain exclusions or restrictions may apply to certain types of financial protection. To discuss the options available for light aircraft pilots who want to provide for a family, meet mortgage payments or bills should an accident happen please contact us today.

Insurance company for light aircraft pilots

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

Contact us today to discuss your needs in relation to your specific air sport, for example:

• Light aircraft aviation
• Gliding
• Hang gliding
• Para gliding
• Micro lighting
• Paramotoring
• Powered / motorised gliding
• Small fixed wing aircraft

However, don’t worry if you don’t see your activity above. Because we specialise you can speak to us about cover options for a wide array of air sport activities – just contact us to discuss your needs with one of our experts.

Life Insurance options for light aircraft pilots

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

Light aircraft pilots: how do I find out more about insurance cover?

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

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us.

Depending on the specifics of an occupation there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market rather than being restricted to a captive or select number of financial products or services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Light aircraft pilot – frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

Our regular engagement with people who participate in many hazardous sports and occupations means that we are happy to discuss a range of questions, such as:

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

What is the process of applying for Life Insurance for light aircraft pilots?

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

As with any enquiry for this type of cover it is important that you declare information about your sports, occupation, lifestyle, pre-existing medical conditions, hazardous activities and other questions completely.

This will assist us in guiding you through the journey of applying for cover:

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of flying you pursue
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

What types of questions will I be asked when applying for light aircraft pilot financial protection?

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

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

Different providers of cover may ask additional questions relating to light aircraft piloting, such as:

• Current occupation
• Type of flying
• Type of aircraft flown
• Location of flying activities (UK, Europe, Worldwide) / countries flown to
• Flying hours
• Frequency of flying
• Governing body / professional body membership
• Type of participation in piloting (recreational / professional)
• Participation in any flying instruction, competitions, record attempts or test pilot activities
• License, qualifications and background experience
• Current income (for an enquiry for Income Protection)

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

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

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

Can you still help me if I already have Life Insurance, Income Protection or Critical Illness policy in place for piloting light aircraft?

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

If you have been declined Life Insurance cover previously it does not mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.

What if I run a business but undertake light aircraft flying?

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

Next steps: what can I expect when I make an enquiry about cover for pilots?

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

• Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your sport or occupation and the options available to you
• Experienced advisers in hazardous pursuits, extreme sports and hazardous occupations
• Personal service and a quick response to your questions
• A Financial Conduct Authority (FCA) authorised company
• An easy application process conducted around your life and at contact times that suit you

If you would like to find out more about the benefits of cover for hazardous pursuits or occupations then please call and speak to an experienced adviser today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

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

Are you concerned about providing for a family, meeting mortgage payments or bills should an accident (or worse) happen whilst enjoying outdoor sports then speak to a specialist at Sports Financial Services today.

We’ll be happy to discuss the financial protection options available for your sport and lifestyle.

We have a great deal of experience helping those who enjoy hazardous sports. We were originally founded, over 20 years ago, as Summit Financial Services (www.summit-fs.co.uk) to meet the needs of climbers, hillwalkers and mountaineers.

As we engaged with an increasing number of people who enjoyed the outdoors, we received more enquiries from people who participated in a wide range of other outdoor sports.

Ultimately, this led to the creation of Sports Financial Services to offer financial protection for a wide range of sports.

Outdoor sports insurance company

As sports specialists we work with you to investigate what cover is available to suit your needs.

Contact us today to discuss your requirements and the options available in relation to your specific sporting interests, for example:

1.0 Air sports

• Powered flight
  • Airplane piloting
  • Gyrocopter
  • Helicopter flying
  • Light aircraft flying
  • Microlight flying
  • Paramotoring
  • Powered gliding
• Unpowered flight
  • Gliding
  • Hang gliding
  • Paragliding
  • Parascending
  • Hot air ballooning
• Skydiving
  • Skydiving / parachuting
  • Indoor skydiving

2.0 Water based sports

• Water sports
  • Diving
  • Free diving
  • Marathon swimming
  • Swimming
  • Water polo
  • Wild swimming

• Self-powered boats
  • Canoe/ kayak flatwater
  • Canoe/ kayak slalom
  • Canoe sprint
  • Canoe touring
  • Sea kayaking
  • White water kayaking
  • Dragon boat racing
  • Rafting
  • Rowing
  • Stand up paddle boarding
  • White water kayaking
• Water based challenge activities
  • Canyoning
  • Coasteering
• Diving and scuba diving
  • Cave diving
  • Ice diving
  • Scuba diving
  • Snorkeling
  • Rebreather diving
  • Technical diving
  • Wreck diving / wreck exploration
• Powered boats
  • Hovercraft driving
  • Jet Skiing
  • Motor boating
  • Motor cruising
  • Powerboating
  • Powered / motorised yachting
  • Wakeboarding
  • Water skiing
• Naturally powered boats
  • Dingy sailing
  • Kite surfing
  • Kite boarding
  • Sailing
  • Surfing
  • Windsurfing
  • Yacht sailing

3.0 Land sports

• Kite buggy
• Kites / power kites
• Land sailing
• Land yachting

4.0 Winter & snow sports

• Alpine skiing
• Bobsleigh
• Cross-country skiing
• Dog sledding
• Freestyle skiing
• Heliskiing and heliboarding
• Luge
• Nordic skiing
• Piste skiing
• Skating
• Skeleton
• Ski jumping
• Ski mountaineering
• Ski touring
• Sledging
• Snowboarding
• Snowmobiling
• Snow shoeing
• Speed skating
• Tobogganing

5.0 Outdoor leisure activities

• Bushcraft
• Camping
• Birdwatching
• Fishing
• Outdoor photography
• Bushcraft and survival

6.0 Equestrian sports

• Horse riding
• Eventing
• Dressage
• Cross country
• Harness racing
• Horse and carriage
• Horse riding
• Pony trekking
• Polo
• Show jumping

7.0 Motor sports

• 4×4 driving
• Carting
• Drag racing
• Driving experience days
• Off roading
• Formula racing / formula series
• Go karting
• Production car racing
• Rally driving
• Sports car racing
• Stock car racing
• Touring car racing

8.0 Motorcycle sports

• Dirt biking
• Beach racing
• Cross country
• Endurance Racing / enduro
• Motocross
• MotoGP
• Road racing
• Scrambling
• Speedway
• Supercross
• Superbike racing
• Supermoto
• Track racing
• Trials

9.0 Outdoor challenge events

• Adventure racing
• Assault courses
• Cross country running
• Fell running
• Geocaching
• Mountain running
• Obstacle course races
• Orienteering
• Running
• Trail running
• Ultra-marathon
• Ultra-distance running

10.0 Underground sports

• Caving
• Potholing

11.0 Hill and mountain sports

• Walking
  • Backpacking
  • Hiking
  • Hill walking
  • Mountain walking
  • Rambling
  • Scrambling
  • Trekking
  • Walking
• Mountaineering
  • Alpine climbing
  • Greater ranges climbing
  • Ice climbing
  • Scottish winter climbing
• Rock climbing
  • Abseiling
  • Bouldering
  • Buildering
  • Coasteering
  • Deep water soloing
  • Indoor climbing
  • Lead climbing
  • Sport climbing
  • Traditional (trad) climbing
  • Via Ferrata

12.0 Team sports

• Airsoft
• American football
• Baseball
• Basketball
• Beachball
• Curling
• Cricket
• Fives (rugby)
• Football
• Gaelic football
• Handball
• Hockey
• Hurling
• Ice hockey
• Lacrosse
• Netball
• Paintballing
• Rounders
• Rugby
• Softball
• Tennis
• Volleyball

13.0 Skill sports

• Air rifle shooting
• Air pistol shooting
• Airsoft
• Archery
• Bowls
• Clay pigeon shooting
• Golf
• Laser clay shooting
• Rifle shooting
• Shooting
• Shotgun sports (skeet, trap, clay pigeon)

14.0 Athletics

• Biathlon
• High jump
• Hurdles
• Marathon running
• Modern pentathlon
• Pentathlon
• Running (sprinting, mile, 5k, 10k, half-marathon, marathon)
• Triathlon

15.0 Cycling sports

• BMX
• Cycling
• Cycle touring
• Cross country cycling
• Mountain biking
• Road cycling
• Track cycling

16.0 Street sports

• Free running
• Parkour
• Roller skating
• Skateboarding
• Slacklining

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

Life Insurance options for outdoor sports participants

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

Outdoor sports insurance cover

As outdoor sport specialists, we have developed knowledge and experience in providing financial protection for a wide range of sports and occupations.

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us.

Depending on the specifics of your occupation or recreation there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market rather than being restricted to a captive or select number of financial products or services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Outdoor sports – frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

Our regular engagement with people who participate in many extreme sports and occupations means that we are happy to discuss a range of questions, such as:

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

The process of applying for Life Insurance for participants in outdoor sports?

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

As with any enquiry for this type of cover it is important that you declare information about your sports, occupation, lifestyle, pre-existing medical conditions, hazardous activities and other questions completely.

This will assist us in guiding you through the journey of applying for cover:

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of sport you participate
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

Can you still help me if I already have Life Insurance, Income Protection or Critical Illness policy in place for my outdoor sport?

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

If you have been declined Life Insurance cover previously it does not mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.

Next steps: what can I expect when I make an enquiry about cover for outdoor sports?

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

• Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your sport or occupation and the options available to you
• Experienced advisers in hazardous pursuits, extreme sports and hazardous occupations
• Personal service and a quick response to your questions
• A Financial Conduct Authority (FCA) authorised company
• An easy application process conducted around your life and at contact times that suit you

If you would like to find out more about the benefits of cover for your sport or occupations then please call and speak to one of our experienced advisers today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

As hazardous, extreme and adventure sport specialists we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs.

If you are looking for Life Insurance for motorcycle racing then speak to Sports Financial Services.

Over the years we have developed an expertise in providing financial protection for a wide range of hazardous sports and hazardous occupations.

We were originally founded, over 20 years ago, as Summit Financial Services (www.summit-fs.co.uk) and have since grown and expanded to offer cover for many hazardous and extreme sports.

Due to the risks inherent in motorcycle racing certain exclusions or restrictions may apply to certain types of financial protection. To discuss the options available for motorcyclists who want to provide for a family, meet mortgage payments or bills should an accident happen please contact us today.

Insurance company for motorcycle racing

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

Contact us today to discuss your needs and the options available in relation to your specific motorcycle racing, for example:

• Beach Racing
• Cross country
• Endurance Racing
• Motocross
• Motorcycle Grand Prix (MotoGP)
• Road Racing
• Scrambling
• Speedway
• Supercross
• Superbike racing
• Supermoto
• Track racing
• Trials Racing

However, don’t worry if you don’t see your activity above. Because we specialise you can speak to us about cover for a wide array of motor and motorcycle sports – just contact us to discuss your needs with one of our experts.

Life Insurance options for motorcycle racing participants

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

Motorcycle racing: how do I find out more about insurance cover?

As an extreme sport and extreme occupation specialist, we have developed knowledge and experience in providing financial protection for hazardous sports participants.

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us.

Depending on the specifics of your occupation or recreation there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market rather than being restricted to a captive or select number of financial products or services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Motorcycle racers – frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

Our regular engagement with people who participate in many hazardous sports and occupations means that we are happy to discuss a range of questions, such as:

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

What is the process of applying for Life Insurance for motorcycle racers?

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

As with any enquiry for this type of cover it is important that you declare information about your sports, occupation, lifestyle, pre-existing medical conditions, hazardous activities and other questions completely.

This will assist us in guiding you through the journey of applying for cover:

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of flying you pursue
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

What types of questions will I be asked when applying for motorcycle racing financial protection?

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

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

Different providers of cover may ask additional questions relating to motorcycle racing, such as:

• Current occupation
• How often you race
• Level of participation in racing (e.g., club, amateur, semi-professional or professional)
• Type of motorcycle racing you participate in
• Type of bike you race
• Racing frequency
• Where you race (e.g., road, track, cross country, beach, grass, circuit)
• Size of bike engine / engine capacity (cc)
• Type of licence, background and experience
• Sport governing body membership (e.g., Amateur Motor Cycle Association – AMCA, Auto Cycle Union – ACU)
• Location of racing activities (UK, Europe or Worldwide)
• Income (for Income Protection enquiries)

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

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

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

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

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

If you have been declined Life Insurance cover previously it does not mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.

What if I run a business but undertake motorcycle racing?

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

Next steps: what can I expect when I make an enquiry about cover for motorcycling?

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

• Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your sport or occupation and the options available to you
• Experienced advisers in hazardous pursuits, extreme sports and hazardous occupations
• Personal service and a quick response to your questions
• A Financial Conduct Authority (FCA) authorised company
• An easy application process conducted around your life and at contact times that suit you

If you would like to find out more about the benefits of cover for hazardous pursuits or occupations then please call and speak to an experienced adviser today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

As hazardous, extreme and adventure sport specialists we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs.

If you participate in hazardous sports and are concerned about providing for a family, meeting mortgage payments or bills should an accident (or worse) happen please speak to a specialist at Sports Financial Services today.

We’ll be happy to discuss the financial protection options available for your lifestyle.

We have a great deal of experience helping those who enjoy hazardous sports. We were originally founded, over 20 years ago, as Summit Financial Services to meet the needs of climbers, hillwalkers and mountaineers. As we engaged with an increasing number of people who enjoyed the outdoors, we received more enquiries from people who participated in a wide range of other outdoor sports.

In turn, this led to the creation of Sports Financial Services to offer financial protection for a wide range of extreme or hazardous sports.

Hazardous sports insurance company

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

Contact us today to discuss your needs and the options available in relation to your specific sporting interests, for example:

Air / sky sports

• Gliding / powered gliding
• Hang-gliding
• Light aircraft piloting
• Microlight flying
• Paragliding / parascending
• Parachuting / skydiving

Athletics

• Field sports
• Modern pentathlon
• Running
• Triathlon

Caving / potholing / gorges

• Canyoning
• Caving

Cycling

• Adventure touring
• BMX
• Cross country cycling
• Cycle touring
• Cycling
• Mountain biking
• Road cycling
• Track cycling

Diving

• Cave diving
• Scuba diving
• Wreck exploration

Equine / equestrian

• Horse riding

Gymnastics

Golf

Martial arts /combat sports

• Fencing
• Judo
• Karate
• Taekwondo
• Wrestling

Motorcycling

• Beach racing
• Cross country
• Endurance Racing / enduro
• Motocross
• MotoGP
• Road Racing
• Scrambling
• Supercross
• Superbike racing
• Supermoto
• Track racing

Motorsports

• Carting
• Formula series
• Production car racing
• Rallying
• Sports car racing
• Stock car racing
• Touring car racing

Mountaineering

• Alpine climbing
• Scottish winter climbing
• Sport climbing
• Greater ranges climbing

Rock climbing

• Abseiling
• Bouldering
• Coasteering
• Deep water soloing
• Indoor climbing
• Ice climbing
• Lead climbing
• Sport climbing
• Via ferrata

Running

• Adventure racing
• Adventure running
• Fell running
• Marathon running
• Mountain running
• Orienteering
• Ultra-distance running

Skiing

• Cross country skiing
• Piste skiing
• Ski touring
• Ski mountaineering
• Winter sports
• Target sports
• Archery
• Shooting

Team sports

• Baseball
• Basketball
• Football
• Hockey
• Rowing
• Rugby
• Track and field
• Volleyball

Walking – hill / mountain

• Backpacking / camping
• Hillwalking
• Mountain walking
• Scrambling
• Trekking

Watersports

• Canoeing
• Canoe slalom
• Canoe sprint
• Diving
• Kayaking (e.g., white water, surf, sea, touring)
• Paddle boarding
• Rowing
• Sailing
• Surfing
• Swimming
• Water polo
• Yachting

Weightlifting

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

Life Insurance options for hazardous sports participants

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

Hazardous sports: how do I find out more about insurance cover?

As a hazardous sport and hazardous occupation specialist, we have developed knowledge and experience in providing financial protection for recreation and occupation.

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us.

Depending on the specifics of your occupation or recreation there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market rather than being restricted to a captive or select number of financial products or services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Hazardous sports – frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

Our regular engagement with people who participate in many hazardous sports and occupations means that we are happy to discuss a range of questions, such as:

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

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

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

As with any enquiry for this type of cover it is important that you declare information about your sports, occupation, lifestyle, pre-existing medical conditions, activities and other questions completely.

This will assist us in guiding you through the journey of applying for cover:

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of sport you participate
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

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

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

If you have been declined Life Insurance cover previously it does not mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.

Next steps: what can I expect when I make an enquiry about cover for a hazardous sport?

You can be assured that the team at Sports Financial Services take pride in providing you with:

• Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your sport or occupation and the options available to you
• Experienced advisers in hazardous pursuits, extreme sports and hazardous occupations
  Personal service and a quick response to your questions
• A Financial Conduct Authority (FCA) authorised company
• An easy application process conducted around your life and at contact times that suit you

If you would like to find out more about the benefits of cover for hazardous pursuits or occupations then please call and speak to an experienced adviser today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

As hazardous, extreme and adventure sport specialists we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs.

If you participate in extreme sports and are concerned about providing for a family, meeting mortgage payments or bills should an accident (or worse) happen please speak to a specialist at Sports Financial Services today.

We’ll be happy to discuss the financial protection options available to you.

We were originally founded, over 20 years ago, as Summit Financial Services (www.summit-fs.co.uk). Through personal recommendation and referral, we developed a wider client base of other participants in similar active outdoor sports. In turn, this led to the creation of Sports Financial Services to offer financial protection for a wide range of extreme and hazardous sports.

Insurance company for extreme sports

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

Contact us today to discuss your needs and the options available in relation to your specific sporting interests.

Life Insurance options for extreme sports participants

You can talk to us about different insurance options in relation to you providing for a family or covering mortgage payments should an accident (or worse) happen.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

Extreme sports: how do I find out more about insurance cover?

As an extreme sport and extreme occupation specialist, we have developed knowledge and experience in providing financial protection for hazardous sports participants.

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy.
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an Income Protection policy maybe something to discuss with us.

Depending on the specifics of your occupation or recreation there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market rather than being restricted to a captive or select number of financial products or services.

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Extreme sports – frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sport, lifestyle and needs.

• • Our regular engagement with people who participate in many extreme sports and occupations means that we are happy to discuss a range of questions, such as:
  • Do I incur premium loadings because of my sporting activities?
  • Are there any restrictions to policies because of my extreme sport?
  • Can I obtain Life Insurance because of my recreation, occupation and lifestyle?
  • Is Critical Illness Cover available for my sport?
  • Because of my sporting activities can I obtain Income Protection?

 

What is the process of applying for Life Insurance for participants in extreme sports?

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

As with any enquiry for this type of cover it is important that you declare information about your sports, occupation, lifestyle, pre-existing medical conditions, hazardous activities and other questions completely.

This will assist us in guiding you through the journey of applying for cover:

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of sport you participate
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as personal health, family history, lifestyle, occupation and type of sporting activities pursued.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

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

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

If you have been declined Life Insurance cover previously it does not mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.

Next steps: what can I expect when I make an enquiry about cover for an extreme sport?

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

• Your own specialist adviser to discuss your needs, your lifestyle, your personal circumstances, your sport or occupation and the options available to you
• Experienced advisers in hazardous pursuits, extreme sports and hazardous occupationsPersonal service and a quick response to your questions
• A Financial Conduct Authority (FCA) authorised company
• An easy application process conducted around your life and at contact times that suit you

If you would like to find out more about the benefits of cover for hazardous pursuits or occupations then please call and speak to an experienced adviser today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

As hazardous, extreme and adventure sport specialists we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs.

From amateur stomach churns, to performing pin-wheel turns, skydiving can bring a range of exhilarating experiences whatever your level of participation.

Whatever you skydiving experience speak to us today about the availability of cover for a wide range of activities such as indoor parachuting, static line, free fall skydiving or tandem parachute jumps.

As an extreme sports specialist we work with you to investigate what cover is available to suit your needs.

There are obvious risks associated with skydiving. These risks can arise from skill level, equipment, meteorological (weather) and mechanical (aircraft) factors.

Ultimately, these factors inform decisions about premiums for skydivers.

In addition, frequency of participation in your sport is something we’ll also chat to you about to identify if the activity is a one-off, a hobby or professional career.

To include your skydiving activities on a life insurance policy, underwriters will need to understand and assess your level of participation. We’ll look at these later in this article.

You can find out more about parachuting in the UK with British Skydiving www.britishskydiving.org including advice on training, progression and where to skydive.

Insurance company for skydiving

In addition to parachuting, we are happy to discuss cover for a wide range of hazardous sports and air sports, such as:

• Gliding / powered gliding
• Hang gliding
• Paragliding
• Paramotoring
• Piloting light aircraft
• Parachuting

Skydivers can talk to us about different insurance options in relation to providing for a family or covering mortgage payments should an accident (or worse) happen.

Can skydivers get life insurance?

We know about the challenges of extreme sports people looking for cover.

We were originally established as Summit Financial Services (www.summit-fs.co.uk), over twenty years ago, to meet the needs of climbers and mountaineers.

In time we found that the walkers and mountaineers that took cover with us also enjoyed a mix of many other outdoor activities (e.g., caving, cycling, canoeing and skiing). As a result, we started working with, and developing an expertise in, an increasing number of outdoor enthusiasts who enjoyed a range of other outdoor activities.

So, whatever activities you pursue, feel free to discuss cover for all your hazardous pursuits and hazardous occupational activities with us.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

How do I find out more about skydiving insurance cover?

Whatever drives your interest in sport – social connection, challenge or exhilaration – we are here to discuss your protection needs.

As an outdoor sports specialist, we have developed knowledge and experience in providing financial protection for a wide range of extreme sports – so we can help save you time in finding cover for your needs.

As a quick outline, if you are interested in a lump sum to be paid following an accident or natural death then they may want to consider chatting to us about Life Insurance.

Are you on the lookout for a skydiving insurance company?

If you are you concerned about financial peace of mind, should an accident or injury happen whilst skydiving then contact us today.

Getting into skydiving

For more information and to find out more about parachuting in the UK contact British Skydiving at www.britishskydiving.org.

Would you like to discuss skydiving insurance?

A specialist adviser here at Sports Financial Services will be pleased to discuss your financial protection needs and any restrictions that apply because of the range of activities you pursue.

The main types of cover that you may want to discuss with us include:

• Life Insurance
• Mortgage Protection
• Critical Illness 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 and reward you for keeping fit and healthy.

Skydiving Life Insurance – some frequently asked questions:

To discuss the cover options available to you please call or contact us online to discuss the best deal we can offer you based on your sporting interests, lifestyle and needs.

We engage with many people who participate in a wide range of sports and are happy to discuss a range of questions, such as:

• Do I incur premium loadings because of my hazardous pursuits?
• Are there any restrictions to policies because of my recreational activities?
• Can I obtain Life Insurance because I skydive?
• Is Critical Illness Cover available for my outdoor pursuits?
• Because of my sporting activities can I obtain Income Protection?

How do I go about finding out more about Life Insurance for skydiving and parachuting?

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

When with any enquiry for this type of cover it is important that you declare you declare several facts such as your occupation, lifestyle, medical, parachuting, other hazardous activities and other questions completely.

Common questions could include:

• Current occupation
• Sport’s Governing Body membership (e.g., British Skydiving)
• Participation a one-off, hobby or professional career
• Restrictions relating to age, health requirements and fitness to parachute
• Number of jumps and/or frequency of jumps each year
• Type of parachuting activities
• Typical skydiving altitude / maximum height
• Competition participation
• Professional and / or instructional work
• National or international participation (UK, Europe and/or worldwide)
• Skydiving licences, certification, qualifications, training and experience
• Current income (for an enquiry for Income Protection)

A more specific list of questions will be based on your individual participation but could include, for example, your:

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

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

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

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

I already have a Life Insurance, Income Protection or Critical Illness policy in place – can you still help me?

Even if you have a policy in place elsewhere, for your participation in parachuting, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

What if I run a business but enjoy extreme sports?

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

Next steps: what can I expect when I make an enquiry about cover for skydiving?

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 the options available to you
• Experienced advisers in hazardous pursuits, extreme sports and hazardous occupationsPersonal 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 to find cover that is suitable for their needs.

If you are looking for Life Insurance for scuba diving then we are here to help.

Sports Financial Services was originally founded (over 20 years ago) as Summit Financial Services, providing Life Insurance for climbers, hillwalkers and mountaineers.

Over time we found that the walkers and climbers, that took cover with us, also enjoyed a mix of many other outdoor activities (e.g., scuba, caving, canoeing and skiing). As a result, we started working with, and developing an expertise in, an increasing number of outdoor activities.

So, whatever sporting activities you pursue, feel free to call to discuss cover for all your hazardous pursuits.

Our relationship with scuba diving started over 10 years ago when we started working with the British Sub Aqua Club (BSAC) and developed a service for their members (www.scuba-fs.co.uk).

Whatever your experience you can speak to us today about the availability of cover for your sport.

To include your scuba activities on a Life Insurance policy, underwriters will need to understand and assess a number of factors in relation to your health, lifestyle and type of sporting activities.

We’ll look at these later in this article.

Insurance company for scuba diving

As extreme sports specialist we work with you to investigate what cover is available to suit your needs.

Because we specialise in sport you can speak to us about cover for a wide array of sporting activities.

Whether you are learning to scuba dive, looking for a scuba diving experience or a seasoned diver you can speak to us about your needs.

We have experience of helping those who dive with scuba, fixed line, mixed gas or rebreathers.

We’ll want to discuss things like the number of dives you do per year, your maximum diving depth and any special types of diving activities you pursue. This could extend to special diving activities such as solo, wreck, cave, commercial or diving for occupational purposes (e.g., offshore oil/gas diving)

Can scuba divers get Life Insurance?

You can talk to us about different insurance options in relation to providing for a family or covering mortgage payments should an accident (or worse) happen.

We know about the challenges of extreme sports people looking for cover.

If you are concerned about cover for injury, accident, income, life or health then talk to us to discuss the options available for you.

How do I find out more about scuba diving insurance cover?

Whatever drives your interest in your sport – challenge, adventure, exercise, exploration, social connection, underwater photography, marine ecology or wreck exploration – we are here to discuss your protection needs.

As an outdoor sports specialist, we have developed knowledge and experience in providing financial protection for a wide range of extreme sports – so we can help save you time in finding financial protection for your needs.

Depending on the type of diving you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

Broadly, we specialise in three types of cover:

• Life Insurance – typically a lump sum to pay off a mortgage, debts or provide a for a family in the event of death.
• Critical Illness Cover – financial peace of mind in the event that you are diagnosed with a specific condition detailed in the policy. By including this type of cover a policy can be extended to provide a pay out as a result of being diagnosed with certain conditions that are defined in the policy.You can also discuss the availability of various pay-out options with us such as:
  • Increasing cover – which takes into consideration the fact that inflation affects the future value of money
  • Decreasing cover – a gradual lowering of cover to reflect a lower mortgage balance as a mortgage is paid off over time
  • Level cover – the amount paid out remains level over the policy period
• Income Protection – if you are concerned that an accident or illness may prevent you from working for a period of time then an income protection policy maybe something to discuss with us

You can also take assurance that we work with the whole of market rather than being restricted to a captive or select number of products /services.

Getting into scuba diving

We have worked with the British Sub Aqua Club (BSAC) for over a decade (www.bsac.com) and you may find them a source of useful information for the following:

• Costs associated with learning to dive
• Learn to dive:
  • Try scuba diving
  • Best diving centre near you
  • Top UK diving sites
• Training, online learning, e-learning & videos
• Skill development and progression courses
  • Try Dive
  • Ocean Diver
  • Sports Diver
  • Dive Leader
  • Advanced Diver
  • First Class Diver
• Additional diving skills
  • Dive planning
  • Boat handling
  • Navigation
  • First aid
  • Life saving
• Finding a club or diving centre
• Information on the different types of equipment used by divers – for example:
  • Scuba diving suit / wetsuit / dry suit
  • Mask
  • Regulator
  • Dive computer
  • Scuba tank / cylinder
  • Spare air tank
  • Fins
  • Weights
  • Buoyancy compensator / scuba weights
  • Gloves
  • Torch
  • Camera
  • Notepad

To find out more contact:

British Sub-Aqua Club (BSAC)
Telford’s Quay South Pier Road
Ellesmere Port
Cheshire
CH65 4FL
+44 (0)151 350 6200

info@bsac.com
www.bsac.com

Would you like to discuss scuba diving insurance?

A specialist adviser here at Sports Financial Services will be pleased to discuss your financial protection needs and any restrictions that apply because of the range of activities you pursue.

The main types of protection that you may want to discuss with us include:

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

In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.

Scuba diving Life Insurance – some frequently asked questions:

To discuss the options available to you please call or contact us online to discuss the best deal we can offer you based on your sporting interests, lifestyle and needs.

We engage with many people who participate in a wide range of sports and are happy to discuss a range of questions, such as:

• Do I incur premium loadings because of my hazardous pursuits?
• Are there any restrictions to policies because of my sporting activities?
• Can I obtain Life Insurance because I scuba dive?
• Is Critical Illness Cover available for my outdoor pursuits?
• Because of my sporting activities can I obtain Income Protection?

How do I go about finding out more about Life Insurance for scuba diving?

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

As with any enquiry for this type of cover it is important that you declare several facts such as your occupation, lifestyle, medical, hazardous activities and other questions completely.

This will assist us in guiding you through our research process:

• A fact-find of your needs – discovering what you do and your particular needs
• Researching providers of cover and the availability of cover for the type of diving you pursue
• Contacting and liaising with insurers
• Discussing if there are any exclusions, loadings or restrictions as a result of the information you have disclosed (e.g., your health or diving activities)
• Discussing premium options, costs and payment terms.

In general, the availability of cover and premiums for cover are dependent on a range of factors such as health, occupation, type of scuba activities pursued, diving depth and your level of recreational or occupational participation.

Deciding on the amount of cover that is right for you can involve many factors such as the need to cover bills, mortgage payments or a lumpsum for a partner or family should the worst happen.

In choosing the duration over which you would like cover you may want to consider your life stage and the need to meet obligations such as providing for a family, meeting bill obligations or paying off a mortgage.

Through our long history of working with active outdoor sports participants we have built an expertise in many different outdoor sports and knowledge of working with insurers and their underwriters who provide cover for these sports.

What types of questions will I be asked when applying for scuba diving Life Insurance?

We will start with a personal fact-finding questionnaire to ascertain your needs and understand various aspect of your lifestyle, diving and other factors sought by underwriters, common questions could include:

• Current occupation
• Sport’s Governing Body membership (e.g., BSAC)
• Participation – one-off, hobby or professional participation
• Age, health and fitness to scuba dive
• Type of diving
  Type of breathing apparatus (e.g., scuba, fixed line, mixed gas, rebreather)
• Number of dives per year
• Maximum diving depth
• Diving qualifications (e.g., BSAC)
• Participation in specialist diving activities (e.g., solo, wreck, cave, ice, deep sea)
• Technical diving / rebreather
• Commercial work or diving for occupational purposes (e.g., offshore oil/gas diving)
• Professional and / or instructional work
• National or international participation (UK, Europe and/or worldwide)
• Current income (for an enquiry for Income Protection)

A more specific list of questions will be based on your individual participation but could include, for example, your:

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

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

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

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

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

Even if you have a policy in place elsewhere, we will still be happy to hear from you.

Even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

What if I run a business but enjoy extreme sports?

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

Next steps: what can I expect when I make an enquiry about cover for scuba diving?

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 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 to find cover that is suitable for their needs.