We are a team of top insurance specialists for people who take part in extreme sports and dangerous activities, including Skiing & Snowboarding life insurance, critical illness cover and income protection. As with most activities where there is an element of danger, it is likely that your application for Skiing insurance and snowboarding insurance cover and other types of personal protection cover will be subject to additional underwriting to assess the levels of risk involved. In most cases we see for this type of sporting activity there are often no issues in getting the cover as long as the level of risks are relatively low and there is no competition involvement.
Anyone engaging in an extreme or dangerous sport should think about the hazards associated with that sport and their own activities before looking for insurance to protect themselves or their families. Due to the inherent dangers of accident and injury associated with this type of activity, skiing life insurance, critical illness cover, and income protection coverage are crucial.
Types of Skiing:
- Recreational skiing
- Indoor/dry slope
- Ski touring/mountaineering
- Racing (e.g. slalom, giant slalom and downhill)
- Freestyle (e.g. park, halfpipe, moguls etc.)
Skiing insurance cover
As with most extreme or hazardous sports, Skiing life insurance will generally be offered at the same rates as someone who does not take part in extreme sports where the activity is recreational (e.g. holiday skiing, indoor/dry slope skiing). Some insurance providers will ask for details about this type of activity, however in most cases this can be ignored when applying for Skiing life insurance. Some of the main considerations when underwriters are assessing an application for this type of cover are:
- How often you go skiing
- Where do you ski (e.g. UK, Europe or worldwide)
- Do you ski competitively or professionally
- Is any of your skiing off-piste
The main other standard factors which would determine the premiums that you will pay for Skiing life insurance are:
- Amount of cover required (£’s)
- Term of your policy (years)
- Type of cover (e.g. Level, Decreasing or Whole of Life)
Skiing critical illness cover
Most of the critical illness insurance applications for skiers that we have worked with have been approved quickly, and the rates nearly invariably match those for non-extreme sport participants. Skiing & Snowboarding critical illness coverage should be easy to obtain if your activity is leisurely and low risk.
Anyone who participates in extreme sports or competitive skiing may find that critical illness insurance is available with a slight premium increase to account for the added risks. Your application may also be subject to extra underwriting if you have any other health or medical conditions.
Skiing income protection
Similarly to critical illness cover, Skiing income protection can also often be offered at the point of application and at the same rates as someone who does not take part in any extreme sports. Most insurers will also want to know whether you have experienced any injuries in recent years as a result of your Skiing & Snowboarding activities to assess the risks.
You should consider Skiing & Snowboarding income protection to be an important part of any of your protection requirements due to the risks of accident and injury for this types of sports.
Skiing life insurance, critical illness cover and income protection
For free advice or a quote for Skiing life insurance, critical illness cover and income protection you should contact one of our experts today. We also provide Life Insurance for Ski Instructors and Snowboard Instructor Insurance.
For more information about skiing and snowboarding contact Snowsport England: www.snowsportengland.org.ukGet a no-obligation quote
What risks are involved with skiing?
Whilst skiing might seem fairly risk free as it is a sport enjoyed by people of all ages, it is important to consider that there is a number of risks involved with the activity. The main dangers with skiing include hitting rocks, trees or other people. Falling over and hitting your head, breaking a bone or twisting a joint are also common injuries. Due to the nature of the environment, the is the risk of being seriously sunburnt as the snow reflects the sun, snow blindness and even avalanches.
Do I need specialist insurance for skiing?
Whilst insurance for skiing is not necessarily a requirement, if you are someone who regularly participates in skiing, it is definitely recommended that you have the right level of cover in place if you want to ensure the financial protection of you and your loved ones. Sports FS can provide you with specialist insurance for skiing, one of our expert advisors will talk you through the insurance options we offer which include life insurance, critical illness cover and income protection. Get in touch to learn more.
How much does skiing insurance cover cost?
With Sports Financial Services life insurance cover can cost £18.70 a month. However, this varies depending on your age, health and the type of cover you need.