Life Insurance For Cycling

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Life, Income Protection &
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Are your cycling pursuits driven by competitive aspirations (such as the Olympics, UCI World Championships, or Tour De France), fitness goals (like road cycling or mountain biking), leisurely enjoyment (such as cycle touring), or simply commuting? No matter where your cycling adventures take you, consider reaching out to Sports Financial Services for Life Insurance tailored to cyclists, Mortgage Protection, Income Protection, or Critical Illness Cover.

At Sports Financial Services, our heritage goes back to over two decades ago when we were established as Summit Financial Services ( to cater to the needs of climbers. Over time, our reputation grew through recommendations and word of mouth, attracting inquiries from various outdoor sports enthusiasts. This evolution led to the creation of Sports Financial Services, enabling us to address the financial protection requirements of participants in a wide range of outdoor activities, including cycling.

As specialists, we understand that even within sport there are different sub-disciplines, different needs by participants and within cycling even different types of bikes, for example:

  • Aerobike
  • BMX
  • City bike
  • Commuter bike 
  • Cruiser
  • Cyclocross Bike
  • Electric bike / E-bike
  • Fixed Gear
  • Folding Bike
  • Full suspension bike 
  • Gravel bike 
  • Hybrid bike
  • Mountain Bike – cross country
  • Mountain bike – downhill
  • Racing bike
  • Road Bike
  • Recumbent Bike
  • Touring Bike
  • Track Bike

So, if you are a cyclist, and are concerned that an accident or worse could impact your ability to meet your household bills, meet mortgage payments, pay credit card bills or provide for a family then please contact us to discuss the financial protection options available to you. 

Life Insurance For Cycling

Due to our experience of working with participants in a range of different outdoor sports such as cycling we are happy to speak to you in detail about your financial protection needs. Our experienced team at Sports financial Services can discuss the options available to you including life insurance for cycling, income protection, mortgage protection and critical illness cover. So, before you prepare your essentials for your next cycling trip, for example:

  • Bike
  • Helmet
  • Shorts
  • Jersey
  • Gloves
  • Hat
  • Waterproofs
  • Tights
  • Shoes
  • Lights 
  • Water bottle(s)
  • Pump
  • Puncture / bike repair kit
  • Cycle computer (e.g., Garmin Edge)
  • Food and nutrition
  • Phone
  • Cards and cash
  • Bike lock and keys

Give us a call to discuss your financial protection needs.

Sports-FS Life Insurance For Cycling

We have built a strong understanding of the needs of those who work in extreme sports and are happy to discuss the different aspects of your cycling in order to understand your needs and determine the various financial protection products that are available to you. Call today to discuss the financial protection options in relation to the type of cycling in which you participate, for example:


  1. Commuting
  2. City cycling 

Cycling for leisure 

  1. Bike packing
  2. Cycle expeditions
  3. Cycle touring
  4. Fitness cycling
  5. Mountain biking
  6. Road touring

Cycling for challenge

  1. Criterium
  2. Cross country mountain biking
  3. Endurance cycling
  4. Road racing
  5. Stage races
  6. Time Trials
  7. Tours
  8. Track cycling
  9. Triathlon

Even if you have an existing policy in place for your cycling activities, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation.  Also, 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 now than when you first applied. 

Financial protection for those who enjoy cycling

You may want to discuss the availability of different types financial protection in relation to your life, recreation and occupation, e.g.,

  • Life Insurance for cycling
  • Critical Illness Cover for cycling
  • Income Protection for cycling

Contingent on the type of activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cycling cover.  We work with the whole market to find financial protection and are not restricted to a captive or select number of products. This allows us to identify your requirements and where higher risk activities fit with policies.

Enquiring About Life Insurance for Cycling

As an extreme sport and extreme occupation specialist, we have developed a specific knowledge and experience in this market. 

Broadly, we specialise in three types of protection:

  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 cycling (and the other activities you declare to us) there may be loadings, restrictions or exclusions applied to certain types of cover.

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 (via tracking app on a phone or watch) and reward you for keeping fit and healthy.

Frequently Asked Questions on Life Insurance For Cycling

When you enquire about cover for cycling with Sports Financial Services, we will take into consideration a number of sports, work and lifestyle factors. A personal adviser will be allocated to your individual enquiry and will discuss with you the specific questions that relate to you, your work, your lifestyle and the options available to you. 

We are happy to discuss a range of common questions, such as:

  • Does my cycling activities mean I Incur premium loadings
  • Are there any restrictions or exclusion to policies that are available to me as a result of my cycling activities?
  • Will cycling prevent me from obtaining life insurance cover?
  • Is Critical Illness or Permanent Disability Cover available because I participate in cycling?
  • Is Income Protection available to me due to my type of cycling activities?

How do I find out more about cycling cover?

Enquiring about cover and life insurance for cycling with us is quick and easy. As with any enquiry for this type of cover it is important that you declare all relevant information such as your cycling activities, occupation, lifestyle, medical, hazardous activities and other questions completely. Common questions could include (where applicable): 

  • Your current health, medical history and any pre-existing medical conditions
  • Your age
  • Height
  • Weight (lbs, kg, body mass index)
  • Your lifestyle (smoking, alcohol consumption)
  • Cycling participation
  • Cycling activities pursued
  • Frequency of cycling
  • Governing body membership (e.g., British Cycling)
  • Location of cycling activities (UK, Europe and/or worldwide)
  • Current income (for an enquiry for Income Protection)
  • Amount (£) of financial protection required
  • The duration of policy – number of years cover is required for
  • The type of policy you required – e.g., increasing, decreasing or level term cover

Does life insurance cover cycling?

Typically, life insurance covers death resulting from cycling accidents. However, it’s crucial to review policy details, as coverage may vary. Some insurers might exclude extreme cycling activities or require additional riders for comprehensive protection. Consult your policy documents or speak with us here at Sports FS for specific information on cycling coverage.

Does life insurance cover mountain biking?

Life insurance generally covers mountain biking, but the extent of coverage may depend on the policy and specific circumstances. It’s advisable to check your policy documents to ensure that mountain biking is not excluded or to explore the option of adding specific riders for adventurous activities. Insurance providers may have varying terms, so reviewing the details and discussing any concerns with your insurer can help ensure adequate coverage for mountain biking enthusiasts.

Get In Touch Today

If you would like to find out more about the benefits of cover for hazardous pursuits or occupations then please call and speak to an experienced adviser today for a free, no-obligation quote, on 0345 565 0935.

Or, if you would like to enquire online, please click the link above and complete the online form.

As a hazardous, extreme and adventure sport specialist we exist to help those who enjoy adventurous pursuits and occupations to find cover that is suitable for their needs. 

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.

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