Enduro Racing & Life Insurance

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Enduro RacingEnduro racing is a high thrill sport that can be seen as a bit risky by some insurers. Your options for life insurance will depend upon some key information about your hobby.

To find the best life insurance for you our advisers will ask you:

  • How often are you racing?
  • Are you races in the UK or abroad?
  • What is the highest mountain that you might race on?
  • What size engine is your bike?
  • Are you racing professionally or as a hobby?

There are some insurers that can possibly offer you life insurance at normal terms. This means the standard premiums and without exclusions.

If you are regularly travelling abroad or using powerful engines, it could be that some insurers might increase the premiums on your life insurance. This is some not all and we know where to look.

Our advisers will find the right life insurance to match you.

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.

When you apply for critical illness cover sports like enduro racing can pop up in the question set. It might not be specifically listed but insurers often have quite a broad question asking about any extreme sport.

Some insurers might put an exclusion on your critical illness policy for claims that you are at a higher risk of experiencing while racing. This can be things like traumatic head injury and total permanent disability.

It’s always better to try and avoid this kind of exclusion and our expert adviser are here to find the right critical illness policy for you. 

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for racers might be available at standard terms. The insurer will want to know where you race, how often you race and if you’ve had any injuries from your racing in the past.

Some insurers will not offer you normal terms for income protection due to your enduro racing, so it’s really important to pick the right one.  Our advisers will find the right income protection insurer to support your racing.


There are some insurers that will reward you for things like physical exercise. Their policies are set up so that you can earn rewards and have lower premiums for your insurance, if you are fit and active.

Find out more at our Healthy Living Insurance page.

Are you travelling abroad to take part in enduro racing? Find out if you have the correct travel insurance place with a specialist broker. Click here for more details.

Fun Facts

  • Riders are close together and if one falls it’s likely that at least a few people are going to be taken out of the race.
  • Enduro races tend to last 1-2 days.
  • Enduro mountain bike racing
  • Endurocross
  • Hard enduro
  • Equipment malfunction
  • Wildlife
  • Environmental hazards
  • Collisions
  • Terrain
  • Location
  • Frequency
  • Qualifications
  • Experience

Common Questions

Hi, if you have arranged your life insurance policy and answered the questions accurately and truthfully, then you should have no problem with making a claim on the policy. The times that people can have an issue is if they haven’t answered the sports questions in the life insurance application correctly.

The other thing to be aware of is any specific wording that excludes claims relating to your racing. Most life insurance policies don’t have exclusions for sports, but you really want to make sure this is the case. Our advisers will find the right life insurance policy for you and your racing.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 765 reviews.

Review by Michael on 9th January 2022

Patience is rewarded. Cura were able to find insurance when other providers were not able to do so. They took the time and effort to search for a product. They were also good at keeping me informed of the progress on the application - 5 

You can read more of our reviews here.

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Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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Client Reviews

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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