Land Speed Records & Life Insurance
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Land Speed Records & Life Insurance
Travelling at incredible speed comes with a bit more risk than just having a general drive about in a car. So if you are taking part in racing it’s something that a lot of insurers would want to ask you questions about.
The reasons that insurers want to know more details about your speed record attempts is because if something doesn’t go as planned, there is a high chance that there will be a claim for life insurance.
When you speak to our advisers we will ask you:
- What type of vehicle are you using?
- Where in the world will you be doing your speed record?
- When are you doing your speed event?
For land speed record attempts you will find that most insurers will postpone your application for life insurance until after the event has taken place. It really depends upon the vehicle that you will be using to try and reach the record.
There are specialist insurers that might be able to consider your application for life insurance.
Our award winning advisers will find the best life insurance to match you and your competitive speed activities.
Land Speed Records & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Many insurers within the UK will not offer you for income protection if you are taking part in a speed record attempt. If you took out your income protection policy before you started speed attempts, it’s best to double check that there aren’t any exclusions that could be linked to your land speed record attempt.
Our expert advisers will research the market for an insurance policy that gives you peace of mind.
Land Speed Records & Critical Illness Cover
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.
Your land speed record attempt will also be seen as quite risky for critical illness cover. This is because there are specific conditions that you are more likely to claim on. Things like traumatic head injury, third degree burns, total paralysis and more.
Depending upon the vehicles you use for your record attempt, you might find that critical illness cover is declined with most insurers in the UK. There are some specialist routes that can sometimes be looked at, but it’s essential that you know that many policies will include wording that specifically excludes claims caused by activities like speed record attempts.
Our team of award winning advisers will find the right insurer and critical illness policy to give you the protection that you need.
Land Speed Records & Travel Insurance
A lot of speed based events are held outside of the UK and it’s a good idea to make sure that you have good travel insurance in place. We have teamed up with a specialist travel insurance broker, that might be able to find a policy that suits your needs. You can find out more details at our travel insurance page.
Fun Facts
- The current land speed record for a car is 763.035 mph (1,227.985 km/h).
- The first woman to hold the women’s world land speed record was Dorothy Levitt in 1906.
- The fastest speed recorded on rollerskates is 131.86km/h (81.93 mph) downhill.
Popular Pastimes
- Automobile land speed records
- Motorcycle land speed records
Possible Risks
- Falls
- Equipment malfunction
- Environmental factors
- Total paralysis
- Traumatic head injuries
Additional Considerations
- Location
- Group
- Solo
- Frequency
- Qualifications
- Experience
Common Questions
Hi, there are quite a few insurers that will want to wait to insure you until after you have completed your record attempt. There are some specialist insurers and life insurance products that might be available to you.
It might be that we put in place some life insurance that is almost a bit of a temporary measure until after your speed event has completed, to then get a more longer term plan in place afterwards.
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Review by William on 5th July 2023
“Alan took the time to understand my needs before recommending a policy that gives me the peace of mind I need. I wouldn't hesitate in using Cura for my Protection needs in the future. Highly recommend!” - 5
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Dr Kathryn Knowles Phd
Author
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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