Cycling Insurance Cover

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* Based on 30 year old, non-smoker for £100,000 level life insurance, £50,000 critical illness cover over 25 year term.
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Cycling insurance cover, critical illness cover and income protection specialists

We specialise in helping people to find insurance who are classed as non-standard by underwriters because of the sports or hobbies they do, including for Cycling insurance cover, critical illness cover or income protection. Our expert advisers offer advice on which insurance companies are best for certain activities or sports which may be treated by an insurer as higher risk for various reasons. Cycling life insurance, critical illness cover and income protection may be treated as a normal or any other application as it may not necessarily be classed as sub-prime however there are potential areas that may be classed as high risk.

The most important thing is to ensure that you have the right cover in place to protect your family and your home no matter what the future may hold. In the case of Cycling life insurance, critical illness cover and income protection there are certain factors which may cause other potential issues that may need to be considered such as travel destinations and potential for injury.

Cycling insurance cover

You may think that Cycling life insurance would be treated the same as standard life insurance and in most cases that will be true. There are certain additional factors which may require further underwriting or the need to disclose more information about your activity, such as:

  • Do you travel overseas to cycle (if so, any high risk destinations)
  • Have you got any other medical issues or problems
  • Do you smoke or drink alcohol?

The other usual factors which would affect your monthly premiums for Cycling life insurance would be:

  • Amount of cover (sum assured)
  • Cover term
  • Type of cover

If you need more information about Cycling life insurance then you should contact one of our team of expert advisers to find out more and see what we can do to help you save money on your cover. We also provide cover for mountain biking life insurance.

Critical illness cover

Critical illness cover for Cyclists is almost always going to be offered at the insurers standard rates because of the simple fact that there is very little additional risk of illness relating to Cycling in most cases. If you already suffer from a pre-existing medical condition or if there is something else that may impact your premiums for cycling critical illness cover then you may find that there will be a need for additional underwriting.

As with life insurance for cyclists, there are a number of factors which could impact your premiums for Cycling critical illness cover and it is important to speak to an adviser who understands the marketplace. Our advisers have access to the whole market for Cycling critical illness cover so we will be able to a search the market for you to find the most affordable premiums for you based on your insurance needs.

Cycling income protection

The key with Cycling income protection is that there will often be no difference between standard rate cover and this type of cover because Cycling is viewed as not hazardous in terms of income protection underwriting. If you need advice on the best way to get Cycling income protection then you should contact Sports Financial to see what we can do to help you get the cover you need at the right price.

There are a number of different ways to set up Cycling income protection so you will need to consider your options carefully to make sure that the product you buy fits with what you need.

Cycling insurance cover, critical illness cover and income protection experts

For more information about Cycling life insurance, critical illness cover or income protection contact us to see what we can do to help you to get the right cover to protect you, your family, your home or your business.

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Is cycling a high risk sport?

Even though cycling is an excellent way to improve your overall health and fitness levels, like any sport that involves fast speeds and challenging terrains, it comes with its risks. The most common injuries associated with cycling include injury to the arms, legs, torso, head and neck as well as fractures.

Is specialist insurance needed for cycling?

Whilst cycling might not appear to be an extreme sport, it is important to consider that there are risks involved. These risks mean that in some cases, particularly if you compete in cycling competitively or regularly, that it may affect your life insurance policy. At Sports Financial Services, we are experts when it comes to specialist insurance for extreme sports, so, whether you want life cover, critical illness insurance or income protection, one of our expert advisors will be able to talk you through your options and secure you the right level of cover at the best rates.

How do I find out more about Life Insurance, Income Protection or Critical Illness cover for cyclists?

When you enquire about cover with us, you will speak to one of our advisors, who will take into consideration a number of individual details in relation to you and your cycling and other activities you pursue. As is common with any enquiry regarding this type of cover it is important that you declare your occupation, lifestyle, medical matters, cycling activities and other questions completely.