Cyclist Life Insurance

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Life, Income Protection &
Critical Illness Cover
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Whether you cycle for leisure, pleasure or sport, speak to Sports Financial Services about life insurance, mortgage protection, income protection and critical illness cover for cyclists. 

Sports Financial specialises in offering financial protection to people who take part in extreme or hazardous sports such as cycling and cycle racing. If you take part in any form of sports, from amateur to professional level, you will need to disclose information about your sport to any life insurance, critical illness cover or income protection providers. 

Because cycling and cycle racing demands a certain level of technical skill and is undertaken in challenging environments, it can often require more specialist types of cover. If you would like to discuss the right life insurance, critical illness cover or income protection cover for cycling you have come to the right place.

What is Life Insurance for Cyclists?

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

Often, when looking for specialist insurance for extreme sports like cycling you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports 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 life insurance for cyclists, 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 cycling cover:

  • How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
  • What is your current employment and does it take you on international travel? (e.g., UK, Europe and/or worldwide)
  • What type of cycling activities do you pursue?
  • What is your level of participation in cycling (e.g., club, amateur, semi-professional or professional)?
  • Where do you cycle and how frequently? (e.g., road, track, cross country, beach, grass, circuit)
  • What type of cycling do you participate in?
  • What types of events/races do you participate in when cycling?
  • Are you a member of the Sport’s Governing Body? (e.g., British Cycling )
  • What geographic locations do you travel to participate in cycling (e.g., UK, Europe or Worldwide)?


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


Cyclists Life Insurance Vs Critical Illness Cover and Income Protection

Critical Illness Cover:

Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in extreme sports like cycling and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of cycling 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 participation in cycling activities, occupation and lifestyle. 

Income Protection:

Another important cover to consider is income protection, particularly if you take part in high-risk sports like cycling. 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 cycling and whether they have caused you to have a significant amount of time off work. 


Again, like critical illness cover, participation in some sports may result in premium loadings, restrictions or exclusions. But, don’t worry, your adviser will discuss your needs and the options available to you.


Different types of Cycling Sports 


Whatever type of cycling activities you pursue please contact Sports Financial Services to discuss your needs.


We understand that there are many types of cycling activities, in competitive and non-competitive environments, that you may want to discuss with us.

Because we specialise you can also speak to us about cover for different sports and occupational activities.


Why Choose Sports Financial Services for Life Insurance for Cyclists?

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 insurance for cycling at the right price.


Even if you have an insurance policy in place, have been declined cycling life insurance 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 cover for cycling. 


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


  • Paragliding life insurance <internal hyperlink>
  • Skydiving life insurance <internal hyperlink>
  • Rock climbing life insurance <internal hyperlink>
  • Mountaineering life insurance <internal hyperlink>
  • Caving life insurance <internal hyperlink>


Speak to one of our cycling specialist advisors today to find out more.


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 . Your personal adviser at Sports Financial Services will also be able to refer you to a contact at Suttons who best suits your interests.