Outdoor instructor insurance
Sports Financial is a top insurance specialist for people who take part in extreme sports as well as people who work in the outdoor industry, such as Outdoor instructor insurance, critical illness cover and income protection. If you take part in any dangerous or hazardous outdoor activities then you should consider some personal cover, especially if you have a family with children to protect. Most people who take part in dangerous sports or hobbies will have to declare them on their applications for cover which is the same for people who work in the industry including Outdoor instructor life, critical illness cover and income protection.
On this page of our website we look at some of the key points for Outdoor instructor financial cover, critical illness cover and income protection applications to give you some information to be able to make your decision on your protection policies. Insurance underwriters generally consider extreme sports as fairly standard risk unless there are extra factors which can cause other issues such as professional sports or people working in the industry.
Some of the main risks to be considered by underwriters when applying for Outdoor instructor life insurance, critical illness cover and income protection are:
- Working at heights (e.g. climbing, abseiling, mountaineering etc.)
- Hazardous equipment (e.g. diving, sailing, mountaineering etc.
- Working overseas or dangerous locations
- Offshore work (e.g. sailing, diving etc.)
There are some aspects of this type of risk which would potentially cause concern when underwriters are reviewing any application for Outdoor instructor life, critical illness cover or income protection. Depending on the level of risk and the amount of time spent on each activity will determine how much your premiums will be for cover.
Roles for Outdoor instructors:
- Climbing instructor
- Mountain guide
- Diving instructor
- Sailing instructor
- Ski or snowboard instructor/guide
There are of course many other outdoor occupations which can be listed so if your occupation does not appear then simply contact one of our team of Outdoor instructor life, critical illness cover and income protection experts to find out more.
Outdoor instructor life cover
Potentially you will be able to get a Outdoor instructor life insurance policy at the same rate as someone who does not have a high risk occupation in most cases. Your premiums can vary depending on the levels of risk involved as well as which insurance provider you apply to which is where Sports Financial can help you to find which insurers are best for you. Anyone who has a high risk occupation and especially those with children or a family should consider some life insurance to offer peace of mind should anything happen to you.
Some of the main factors which would be taken in to consideration by underwriters when assessing an application for Outdoor instructor financial protection and insurance:
- What is your occupation or role in the outdoor industry
- Do you work at heights, how often and to what height
- Which qualifications do you hold
- Does your role involve working offshore or at depths of more than 10m
- Do you have any other medical or health issues
There are a number of standard factors which would also determine the premium you will pay as an Outdoor instructor such as:
- Sum assured (£’s)
- Policy term (years)
- Type of cove
If you need help or advice to get a competitive quote for Outdoor instructor life insurance to protect your family you should contact one of our experts on 0345 565 0935.
Outdoor instructor critical illness cover
There is also a very strong chance that you will be able to get a policy for Outdoor instructor critical illness cover and often you will pay the same premiums as someone who does not have a dangerous job. Usually there will be a number of questions to be answered relating to your role and responsibilities when applying for Outdoor instructor critical illness cover to help underwriters to assess your application.
If your role is considered to be higher risk because of the type of activities you are involved in or the amount of time spent doing hazardous activities then you may find that your premiums for Outdoor instructor critical illness cover increase to reflect that risk. There may also be an exclusion applied to your Outdoor instructor critical illness cover policy of Total and Permanent Disability which should not cause any major concern as this is only a small aspect of the plan.
Outdoor instructor insurance- income protection
It is also generally possible to get cover for Outdoor instructor income protection in most cases however underwriting can be slightly more strict for this type of cover and occupation. You may also find that there are some restrictions or exclusions applied to an offer of cover for Outdoor instructor income protection as there is a clear link between the risks of your occupation and this type of policy.
Outdoor instructor life insurance, critical illness cover and income protection
If you need help to get a competitive quote for Outdoor instructor life, critical illness cover or income protection then contact one of our team of insurance experts to find out more today.Get a no-obligation quote
What is outdoor instructor cover?
An outdoor instructor is anyone who supervises and guides people in activities such as canoeing, sailing, climbing and so on. Typically these activities pose a level of risk for both the trip attendees and for the instructors themselves. This means that is important to get outdoor instructor cover such as life insurance which pays a lump sum to a beneficiary in the event of the policy holders death. Outdoor instructor cover is a specialist type of this cover that ensures the policy holder is covered should they die as a result of their outdoor instructing activities.
What are the different types of cover available to outdoor instructors?
The three main insurance policies that would be worth considering as an outdoors instructor are life insurance, critical illness cover and income protection. Outdoor instructor life insurance is a type of cover that pays a beneficiary in the event of your death. Critical illness cover is a different type of insurance that acts as a financial safety net should you fall ill with a critical illness. Thirdly is income protection which pays you a regular income should you get sick or injured to the extent that stops you from working.