Motor Sports & Life Insurance

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Motor SportsIn general you should be able to purchase a life insurance for motor sports policy with your hobby at standard rates. This will be highly dependent upon the regularity of your pastime and the type of sport that you do. If your motor sports activity is classed as a hazardous pastime you are likely to be provided with two options by the insurance provider: a higher premium or an exclusion on motor sports from your policy.

Our insurance advisers can help you to make the decision as to which of these options is best for you depending upon your individual needs, such as budget and reasons for 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.

Again, in general there should be no concern applying for critical illness cover with your motor sports disclosure. Due to the enhanced risk of injury that comes with motor sports activities you may find that the insurance provider places an exclusion on the total permanent disability aspect of your policy. This will depend greatly upon the type of vehicles that use, the engine size, maximum speed attainable, average speed used and the types of terrain that are used.

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

Income protection for people doing motor sports may be available at standard rates, depending upon your track record. Insurers will want to know if you have ever been injured due to your hobby, and this will have a bearing on the policies available to you.

If you have had multiple injuries in the past due to your motoring activities, it is possible that your income protection policy may come with an exclusion. We would recommend that you speak with one of our trained insurance advisers who can help you to establish the potential benefits of income protection with the motor sports exclusion.

Alternatively you could apply for accident, sickness and unemployment cover that are likely to provide you with short-term Income Protection despite your motor sport activities. Accident, sickness and unemployment cover will provide you with a regular monthly payment for between 12 and 24 months should you be unable to work. Please use our free online quotation system to see the type of cover that is available to you.

For those who are travelling abroad and wanting to drive for leisure or sport, care should be taken that the correct insurance is in place. Make sure that your UK driving licence permits you to drive the vehicle you will be using. For more details see our specialist travel page 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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