Life Insurance for Bikers

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Life, Income Protection &
Critical Illness Cover
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Whether you ride a motorbike for leisure, pleasure or sport, you might be interested in financial protection for peace of mind. If so, get in touch with the Sports Financial Services team and we can arrange you specialist life insurance for bikers.


It doesn’t matter what form of motor sports you participate in, we offer financial services from amatuer to professional level. It’s important that you disclose all the information about your sport to ensure we get you the right level of protection. We can assist with everything from life insurance to critical illness cover and income protection. At Sports Financial Services, we have a deep understanding of high risk and extreme sports. We know that motorcycle racing and motorbiking demands a certain level of technical skill and can be undertaken across challenging terrain. This means you may require more specialist types of cover, which is what we are here to help you with.


What is Life Insurance for Bikers?

When it comes to high risk sports and occupations like motorcycling, there is always the possibility that financial protection may cost more than normal. This is because income protection, critical illness cover and life insurance for bikers can have varying underwriting depending on the provider. This is one of the main reasons a specialist like Sports Financial Services can be beneficial. We take the time to fully understand your activities and from here we can help obtain the right cover for you and your circumstances to suit your chosen sport. 

Our 20-year history of helping extreme sports people means that we understand sports and when it comes to life insurance for bikers, 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 motorbiking racing 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 motorbiking activities do you pursue?
  • What is your level of participation in motorbike racing (e.g., club, amateur, semi-professional or professional)?
  • Where do you race and how frequently? (e.g., road, track, cross country, beach, grass, circuit)
  • What type of motorbike racing do you participate in?
  • Do you have a motorbike racing licence?
  • What types of events/races do you participate in when motorbike racing?
  • Are you a member of the Sport’s Governing Body? e.g., Amateur MotorCycle Association – AMCA, Auto Cycle Union – ACU 
  • What type of bike do you ride and what is your motorbike cc?
  • What geographic locations do you travel to participate in motor bike racing (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.


Life insurance for bikers: 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 motorbike racing and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of motorbiking 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 motorbike racing, occupation and lifestyle. 


Income Protection:

Another important cover to consider is income protection, particularly if you take part in high-risk sports like motorbike racing. 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 motorbike racing 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 Biking Sports 

Whatever type of motorbiking activities you pursue please contact Sports Financial Services to discuss your needs. We understand that there are many types of motorcycling activities, in competitive and non-competitive environments, that you may want to discuss with us such as:

  • Adventure motorcycling
  • Beach racing
  • Beach cross
  • Cross country racing
  • Enduro racing
  • Endurance racing
  • Grasstrack
  • Hillclimbs
  • Motocross 
  • Motorcycle Grand Prix (MotoGP)
  • Road racing 
  • Scrambles
  • Scrambling
  • Speedway
  • Supercross
  • Superbike racing
  • Supermoto
  • Timetrials
  • 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 different motor sports, sports and occupational activities.


Why Choose Sports Financial Services For Life Insurance for Bikers?

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 motorbiking and motorbike racing at the right price.


Even if you have an insurance policy in place, have been declined biking life insurance in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport and occupation experts. All of our knowledge is up to date meaning we can identify if your existing plan gives you the financial protection that you need. As 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 biking. 

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