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.
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.