Coasteering can be a fun activity carried out along the coastline. The terrain and challenges can be mixed and may involve a combination of scrambling, traversing rocky terrain, cave and rock pool exploration, swimming and water jumps. In addition, the environment can be challenging so participants often wear buoyancy aids, hard hats, wet suits and boots or climbing shoes. If you participate in this sport you may be interested in our specialist coasteering insurance to ensure you are financially protected in the event of an injury or worse.
There are many beautiful spots along the British coastline that are popular coasteering locations, such as:
- Wales – Pembrokeshire
- Northumberland – Howick
- Dorset – Swanage
- Scotland – Arbroath
- Cornwall – Newquay
Sports Financial Services specialises in offering financial protection to people who take part in hazardous sports and occupations, such as coasteering. If you take part in any form of coasteering, whether recreationally or occupationally, you will need to disclose information about your sport and occupation to any life insurance, critical illness cover or income protection providers.
Because coasteering demands a certain level of technical skill and is undertaken in challenging environments, coasteering insurance 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 coasteering you have come to the right place. Whatever your experience please speak to us today about the availability of cover for your sport.
What is Coasteering Insurance?
The underwriting of life insurance, income protection and critical illness for coasteering can vary depending on your insurance provider as well as your level of participation in coasteering. For this reason, specialist advice can be beneficial in obtaining the right cover for you, your circumstances and all aspects of your chosen sport and lifestyle.
Because we have been working for many years with people who enjoy the outdoors, we have a great deal of experience assisting with a large number of outdoor sports such as coasteering, rock climbing, mountaineering, scuba diving, skydiving and skiing. When you enquire, we’ll want to discuss things like the number of times you go coasteering each year, whether you work in the coasteering industry and any coasteering you take part in internationally.
Often, when looking for specialist insurance for extreme pursuits like coasteering you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports and occupational financial protection may cost more due to these additional requirements. Our 20-year history of helping extreme sports people means that we understand sports and when it comes to coasteering insurance, we understand the needs of those who participate in hazardous sports and occupations.
Here are some areas that insurers might consider when assessing your enquiry for life insurance for coasteering:
- How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
- What is your current employment and does it take you on international travel? (e.g., UK, Europe and/or worldwide)
- What type of coasteering activities do you participate in?
- Do you participate in coasteering as a hobby or leisure interest?
- Do you participate in any rock climbing and to what grade?
- Your frequency of participation in coasteering?
- Do you undertake any professional or instructional coasteering work?
- Are you a member of the Sport’s Governing Body? (e.g., the British Mountaineering Council www.thebmc.com )
- Do you travel internationally to participate in coasteering activities?
Such questions will help us find the facts that insurance companies require in relation to you, your sport and your lifestyle.
Other types of coasteering insurance
Critical Illness Cover:
Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in hazardous pursuits like coasteering and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of coasteering activities will be assessed differently.
Cover for some sports can be offered at standard rates with no special terms imposed whilst participation in other sports may result in premium loadings, special terms, restrictions or exclusions. Your sports specialist at Sports Financial Services will talk you through the options available to you based on a number of factors such as your coasteering activities, occupation and lifestyle.
Income Protection:
Another important cover to consider is income protection, particularly if you take part in high-risk pursuits like coasteering. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.
Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of coasteering and whether they have caused you to have a significant amount of time off work. Again, like critical illness cover, participation in some sports and activities may result in premium loadings, restrictions or exclusions. But, don’t worry, your adviser will discuss your needs and the options available to you.
Life insurance for Coasteering
Whatever type coasteering activities you pursue please contact Sports Financial Services to discuss your needs. Whether you just go coasteering or pursue a different mix of outdoor activities we will be happy to discuss your requirements. Because we specialise in sport and hazardous occupations you can speak to us about options for a wide array of different activities – just contact us to discuss your needs with one of our hazardous sport and occupation experts.
Not only do we offer life insurance for coasteering, but we also over cover for other water sports such as Wakeboarding life insurance.
Why Choose Sports Financial Services for coasteering insurance?
Whatever drives your interest in coasteering – adrenaline driven challenge, adventure, exercise, exploration, social connection – we are here to discuss your protection needs. Sports Financial Services are a team of insurance specialists with many years of experience working with those who pursue hazardous sports and occupations. We know how important it is to find life insurance for coasteering at the right price.
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. Even if you have an insurance policy in place, have been declined life insurance for coasteering in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport and occupation experts.
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 than when you first applied for coasteering insurance.
Coasteering Insurance FAQs
What risks does coasteering insurance typically cover?
Coasteering life insurance typically covers a range of risks associated with coasteering activities, including accidental injuries, medical expenses, disability benefits, and in the unfortunate event of death, a payout to your beneficiaries. The coverage may extend to various coasteering-related incidents such as falls, collisions, and water-related accidents.
Why do I need coasteering insurance?
Coasteering life insurance is essential for individuals who participate in this exhilarating but potentially risky activity. Traditional life insurance policies may not cover accidents or incidents that occur during coasteering, making it crucial to have specialized coverage. This insurance provides financial protection for you and your loved ones in the event of injury, disability, or loss of life while engaging in coasteering activities.