If you participate in kitesurfing, power kiting, kite buggying, land kiteboarding, kite skiing or snow kiteboarding then you may want financial protection for peace of mind. Sports Financial services are specialists in providing life insurance, mortgage protection, income protection and critical illness cover for extreme sports- this includes kitesurfing insurance.
Sports Financial Services specialises in offering financial protection to people who take part in hazardous sports such as kitesurfing. If you take part in any form of kitesurfing you will need to disclose information about your sport to any life insurance, critical illness cover or income protection providers.
What is Kitesurfing Insurance?
As kitesurfing demands a certain level of technical skill and is undertaken in challenging environments, kitesurfing 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 kitesurfing you have come to the right place.
The underwriting of life insurance, income protection and critical illness for kitesurfing can vary depending on your insurance provider as well as your level of participation in kitesurfing. 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 with outdoor sports people for a long time, we are happy to chat about different types of land and water kite sports, such as:
- Kitesurfing
- Kiteboarding
- Kite sailing
- Power kiting
- Kite buggying
- Land kiteboarding
- Snow kiting
- Kayak kiting
Insurance for other water sports
In addition, if you participate in other water sports (e.g., wakeboarding, water skiing or sailing) or any other sport you can also discuss your needs with us.
When you enquire, we’ll want to discuss things like the number of times you kitesurf each year and any kitesurfing you take part in internationally.
Often, when looking for specialist insurance for extreme pursuits like kitesurfing 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 kitesurfing insurance and extreme sports, we understand the needs of those who participate in hazardous sports and occupations.
Kitesurfing insurance application
Here are some areas that insurers might consider when assessing your enquiry for life insurance for kitesurfing:
- How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
- What is your current employment and does it require international travel? (e.g., UK, Europe and/or worldwide)
- What type of kitesurfing activities do you participate in?
- Do you participate in kitesurfing as a hobby or professionally?
- Your frequency of participation in kitesurfing each year?
- Where do you typically kitesurf?
- Are you a member of the Sport’s Governing Body? (e.g., the British Kite Sports www.britishkitesports.org )
- Do you travel internationally to participate in kitesurfing activities?
- Do you undertake any other hazardous pursuits?
Such questions will help us find the facts that insurance companies require in relation to you, your sport and your lifestyle.
Different types of Kitesurfing 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 kitesurfing and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of kitesurfing 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 kitesurfing activities, occupation and lifestyle.
Income Protection
Another important cover to consider is income protection, particularly if you take part in high-risk pursuits like kitesurfing. 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 kitesurfing 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.
Why Choose Sports Financial Services for Kitesurfing Insurance?
Whatever drives your interest in kitesurfing – challenge, adventure or exercise – 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 kitesurfing 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 kitesurfing in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport and occupation experts.