Winter Sports Insurance

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Life, Income Protection &
Critical Illness Cover
cover options

Anyone who participates in extreme sports or hazardous pursuits needing life insurance should get specialist financial advice. Because winter sports are usually classed as technically and environmentally challenging, they can often require more specialist types of cover. If you are in need of the right life insurance, critical illness cover or income protection cover for winter sports insurance you have come to the right place.


What Does Winter Sports Insurance Cover?

The underwriting of winter sports life insurance, income protection and critical illness cover can vary depending on your insurance provider as well as your level of participation in sport / activities. This is one of the reasons why getting specialist sports financial advice can be beneficial. This is to ensure you apply to the most appropriate provider which offers the right coverage for you, your circumstances and all aspects of your chosen sport. 

Often, when looking for specialist insurance for extreme sports like winter sports 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. Fortunately, when it comes to winter sports Insurance, the application process can be quick and easy because of our 20-year history of helping people who enjoy the outdoors. 

Here are some areas that insurers might consider when assessing your enquiry:

  • How long have you been participating in winter sports?
  • Do you participate competitively in winter sports?
  • Are you a member of the Sport’s Governing Body?
  • Do you have any medical or health conditions?
  • How often do you engage in your winter sport?
  • What locations do you travel to participate in winter sports?
  • What is your climbing grade or piste ski grade?

Winter Sports Insurance Vs Critical Illness Cover and Income Protection

Critical Illness Cover:

Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in extreme sports like winter sports and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different winter sports will be assessed differently. Cover for some sports can be offered at standard rates with no special terms imposed whilst participation in other sports may result in premium loadings, special terms, restrictions or exclusions. Your sports specialist at Sports Financial Services will talk you through the options available to you based on a number of factors such as your winter sport, occupation and lifestyle. 

Income Protection:

Another important cover to consider is income protection, particularly if you take part in high-risk sports like winter sports. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of winter sports 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 adviser will discuss your needs and the options available to you.


Different types of Winter Sports 

Whatever type of winter sport you pursue please call us to discuss your needs.

Examples of different types of winter sports are:

Skiing & snowboarding

  • Alpine skiing
  • Cross country skiing
  • Off piste skiing
  • Piste skiing
  • Ski mountaineering
  • Ski orienteering
  • Ski touring
  • Snowboarding
  • Telemark skiing


  • Alpine climbing
  • Ice climbing
  • Mountaineering
  • Scottish winter climbing

Winter sports can be challenging and managing risks (e.g., avalanche assessment, crevasse crossings, remote locations and communications, glacier travel, rockfalls and protection from the elements) can be necessary and enjoyable part of the sport.

Why Choose Sports Financial Services For Your Winter Sports Insurance?

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 at the right price. We work closely with a number of sporting bodies such as the British Mountaineering Council. If your passion for adrenaline fuelled sports goes beyond winter sports, we also offer cover for a number of high-risk sports and occupations such as:

Speak to one of our winter sports life insurance specialist advisors today to find out more.