Motor Sports Insurance CoverGet a Quote


Motor Sports Insurance Cover

Sports Financial is an insurance broker with a difference, we specialise in helping people who are classed as ‘non-standard’ in the insurance world because of the sport or hobby that they do.  We can help you by finding you the right cover such as motor sports life insurance, critical illness cover and income protection.

Specialist Motor Sports Life Insurance Cover

It is important to note that most extreme sports and dangerous hobbies including the likes of motorsports is highly likely to require some additional underwriting when applying for life insurance and other personal protection products. However, it is still important to make sure that you have the cover you need no matter what happens to you. Fortunately, motor sports life insurance, critical illness cover and income protection policies are generally available without any  major issues getting cover as long as you are not involved in professional motor racing.

Some of the main types of motorsports:

  • Track Days (Cars/Motorbikes)
  • Circuit racing (Cars/Motorbikes)
  • Rallying
  • Rallycross
  • Stock car racing
  • Motocross (Motorbikes)
  • Adventure/Enduro (Motorbikes)

Each activity will vary for Motorsports life insurance, critical illness cover and income protection depending on your level and which type of vehicle you drive or ride.

motor sports life insurance

What Does Motor Sports Life Insurance Cover?

We often find that cover for Motorsports is available with no major issues in getting the cover and also no major impact on the premiums you will pay. For people taking part in amateur events (e.g. track days) you should be able to get Motor sports insurance at the insurers standard rates with no real need for additional underwriting. There are several major factors which would be taken in to consideration by underwriters when assessing an application for Motorsports life insurance, including:

  • How often do you race
  • What type of vehicle do you drive/ride and what CC is it
  • Do you race amateur, semi-professional or professional events

There are a number of other factors which would be taken in to account when looking at life insurance for motor sports, such as:

  • Level of cover required (sum assured)
  • Term of cover (years)
  • Type of cover (e.g. Decreasing, Level, Whole of Life etc.)

For advice or a quote on specialist life insurance for motor sports you should contact one of our team of experts today.

Get a Quote

Motor Sports Life Insurance VS other protection

Motorsports critical illness cover

Generally, it is also possible to get Motorsports critical illness cover for most of the clients we deal with based on their individual circumstances and the amount of times they take part in any motor racing. If you are involved in more frequent racing or if you are a semi-professional/professional racer then you may find that Motorsports critical illness cover could result in policy exclusions or premium loadings.

Possible exclusions for Motorsports critical illness cover are:

  • Any injury or health issues resulting from motorsports
  • Total and permanent Disability cover

The amount you pay for Motorsports critical illness cover will also depend on the usual health and medical factors as well as the amount of cover you need. You should also consider that Motorsports critical illness cover can vary from one insurer to another so it is important to check your policy wording before agreeing to start a plan.

Motorsports income protection

The main additional factor which would be brought into consideration for Motorsports income protection over the other types of policies would be your occupation and whether you have had any time off work recently. We often find that Motorsports income protection is available and can often be obtained from standard rates with no policy exclusions.

How can Sports FS Help with Motor Sports Life Insurance and Cover?

Sports Financial Services help our clients because we have a deep understanding and expert knowledge in the area of finance for extreme sports. We are here to help with enquiries regarding a variety of motor sports enthusiasts in need of specialist life insurance, critical illness cover and income protection. Our specialist knowledge in sports will allow us to work with you to discuss the options available and help you choose the right insurance to suit your needs. 

To get expert financial advice or to make an inquiry, please do not hesitate to contact us and get a quote. 

Andrew Gowland 11:44 AM (4 minutes ago) to me