Snowboarding can bring exhilaration and enjoyment but have you paused to consider what would happen to your finances should an accident happen? Snowboarding insurance cover is the best way to provide you with financial peace of mind. Since winter sports like snowboarding require a certain level of skill and take place in challenging environments, specialist insurance cover is often needed.
If you are looking for specialist snowboarding insurance cover, you have come to the right place. Originally founded as Summit Financial Services over 20 years ago, we started out providing financial protection services for mountaineers. Through word of mouth, more and more enquiries came through from outdoor sports people looking for specialist extreme sports cover. Here, Sports Financial Services was born. We expanded our scope to encompass a range of activities including snowboarding and over the years have deepened our knowledge in a variety of sports to ensure we have expert understanding of each sport. Our knowledge and understanding of sports allows us to ask the right questions to get you the level of cover you need, at the best rates.
What does snowboarding insurance cover?
As with any extreme sport, the underwriting of snowboarding insurance cover can vary depending on your level of participation in the sport and who your insurance provider is. One of the main reasons it is important to go with a specialist is because it can be beneficial in obtaining the right cover for you and all aspects of your chosen sport. Often, when looking for specialist insurance for extreme sports like snowboarding you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports life insurance may cost more due to these additional requirements.
Our 20-year history of helping outdoor sports people means that we understand mountain sports and when it comes to snowboarding life insurance, we understand the needs of those who enjoy the mountains. Here are some areas that insurers might consider when assessing your enquiry for snowboarding cover:
- What is your occupation and does your work take you on international travel?
- What type of snowboarding activities do you pursue (e.g., mountain, freestyle, piste, off-piste or prepared ski park?)
- How long have you been participating in snowboarding?
- What level of piste run do you follow when snowboarding?
- Do you participate competitively in snowboarding?
- What is the maximum altitude you ascend to participate in snowboarding?
- Are you a member of the Sport’s Governing Body? (e.g., Ski Club of Great Britain www.skiclub.co.uk )
- Do you have any pre-existing medical or health conditions?
- What is your frequency of engagement in snowboarding?
- What is the maximum altitude at which you snowboard?
- What geographic locations do you travel to participate in snowboarding – UK, Europe or Worldwide destinations?
Such questions will help us find the facts that insurance companies require in relation to you, your lifestyle.
Snowboarding insurance cover- Critical Illness and Income Protection
Critical Illness Cover:
Anyone who takes part in extreme sports like snowboarding and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of snowboarding activities will be assessed differently. But what is critical illness cover? Well, as the name suggests, it is a way to cover specific critical illnesses or medical conditions that could affect your finances.
Although some sports insurance can be offered at standard rates without any special terms imposed, you can expect premium loadings, exclusions or restrictions depending on the details of your sport and its level of risk. To find out more regarding your critical illness cover options, get in touch. Sports Financial Services will walk you through your options based on factors including your snowboarding activity, job and lifestyle.
Another important cover to consider is income protection, particularly if you take part in high-risk sports like snowboarding. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. If you have any financial commitments, income protection is important because it provides you with the ability to meet these payments should you suffer 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 snowboarding 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 snowboarding insurance cover adviser will discuss your needs and the options available to you.
Different types of Snowboarding Activities
Whatever type of snowboarding you pursue please call us to discuss your needs. Examples of different types of snowboarding activities you may want to discuss with us are:
- Backcountry snowboarding
- Downhill snowboarding
- Heli snowboarding
- Off piste snowboarding
- Piste snowboarding
In addition, if you pursue other extreme outdoor sports, we will also be happy to discuss the availability of life insurance, income protection and critical illness cover for other activities, for example:
- Alpine climbing
- Rock climbing
- Ice climbing
- Ski mountaineering
Snowboarding can be a challenging sport and managing the risks (e.g. making avalanche assessments, crossing crevasses, operating in remote locations, rockfalls and safely protecting yourself from the elements) can be a necessary part of the sport. Other actions could include things, such as:
- Knowing if your chosen snowboard route is within your skills, abilities and fitness
- Choosing and packing suitable clothing and equipment
- Checking ski lift opening times, closing times and passes
- Checking weather, visibility, sunset times and avalanche risk
- Letting people know where you are going and when you will be back
Why choose Sports Financial Services for snowboarding insurance cover?
Sports Financial Services are a team of insurance specialists with many years of experience working with participants in hazardous sports and hazardous occupations. We know how important it is to find life insurance for extreme sports like snowboarding and at the right price. If your passion for extreme sports goes beyond snowboarding, we offer a range of insurance for other high risk sports such as:
Speak to one of our snowboarding specialist advisors today to find out more.