Canoeing & Life Insurance
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If you canoe, life insurance applications may need to detail your hobby. It is best to speak with a broker who will know where to place your application, some insurers ask about canoeing or kayaking others do not.
It is possible to secure life insurance for canoers or kayakers at standard terms but this will be dependent upon the regularity of your activity, where you canoe, the experience you have and any qualifications that you hold. For individuals who take part in competitions you may find that the insurer increases the policy premiums. Even if you regularly canoe or take part in competitions it is very likely that your cover will still be acceptable at standard terms with the right insurance companies.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover applications that include a canoeing disclosure are likely to receive normal terms, provided that the correct insurer is chosen to place your application with. Certain more hazardous activities such as whitewater rafting may need further consideration from insurance companies but so long as it is not too regular then cover should still be acceptable at normal terms.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for canoers can often be available at standard rates so long as the correct insurers are chosen. Some activities such as whitewater rafting may need insurers to look more carefully at your activity, but if only occasional, should not cause any major concern.
In general canoeing requires someone to be fit and healthy, to be able to use their upper body strength for sustained periods of time. Canoers may find that their active lifestyle suits the VitalityLife protection policy, that provides rewards for living healthily. To find out more click here.
Canoeing can be either a solo or group activity, in which people sit in an open-deck canoe using one or more paddles to move across water.
- Whitewater canoeing
- Whitewater rafting
- Canoe capsizing
- Environmental factors
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