Extreme Sports Insurance

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Life, Income Protection &
Critical Illness Cover
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If you participate in extreme sports then speak to the sports specialists about extreme sports insurance. If you are concerned about providing for a family, meeting mortgage payments or bills should an accident (or worse) happen then one of our sports specialists will be happy to provide more information about the financial protection options available to you.

What’s classed as an extreme sport?

There are a wide range of sports that could be classed as extreme sports, each with their own level of risk. Here are some examples of extreme sports:


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


  • Adventure racing
  • Triathlon


  • Adventure cycling
  • Cycling
  • Cycle touring
  • Mountain biking
  • Road cycling
  • Track cycling

Water sports

  • Canoeing
  • Kayaking (e.g., white water, surf, sea, touring)
  • Sailing
  • Paddle boarding
  • Surfing
  • Swimming
  • Scuba diving
  • Yachting


  • Cave diving
  • Scuba diving
  • Wreck exploration

Caving / potholing / gorges

  • Canyoning
  • Caving

Outdoor pursuits 

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

Rock climbing

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


  • Alpine climbing
  • Scottish winter climbing 
  • Greater ranges climbing


  • Cross country skiing
  • Piste skiing
  • Ski touring 
  • Ski mountaineering
  • Winter sports

Air sports

  • Gliding
  • Hang gliding
  • Light aircraft flying
  • Microlight
  • Paragliding
  • Piloting light aircraft
  • Parachuting
  • Skydiving


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


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


  • Horse riding

Team sports

  • Rugby
  • Football

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.

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 to you in relation to financial protection and your specific sporting interests.

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

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

Broadly, we specialise in three types of cover:

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

Depending on the specifics of your 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 insurance – 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 Cover?
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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. 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 lump sum 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.

Extreme Sports Travel Insurance

If you are looking for extreme sports travel insurance then speak to our team, who have established links with a specialist sports travel insurance provider. 

Get a Quote

Whether you are looking for a new policy, or if you have a policy in place elsewhere and would like to compare your cover, we will be happy to hear from you.  If you have been declined extreme sports 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.

Call us on 0345 565 0935 or complete our online enquiry form.