Sailing & Life Insurance

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SailingLife insurance for people who partake in sailing can often be secured at standard terms provided that you remain in UK waters and are not involved in competitions. The insurer will want to know how regularly you sail, where you sail and whether you sail on your own or as part of a group.

Sailing life insurance applications that involve transoceanic travel or competitive events may be subject to a premium loading but it is worth speaking to an adviser to confirm as every situation is different.

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 insurance for people who sail as a hobby can often be available at normal terms if you keep inshore and do not take part in regular competitions. For those who do perform transoceanic sails or take part in competitions the policy premiums may be increased or a sailing exclusion may be placed on the policy.

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

Income protection for people who sail can be available at standard rates, provided that your application is placed with the right insurance company. Insurers will want to know if your sailing is within UK waters or transatlantic, and if you take part in competitions. Sailors who have experienced multiple injuries whilst taking part in the sport may need to place their cover with specialist providers.

If you are planning on sailing outside of UK waters, or on transatlantic voyages,you need to make sure you have the right travel insurance in place. Find out more here.

Fun Facts

  • You may hear the word footloose and immediately think of Kevin Bacon, but the words origin comes from sailing, meaning that the bottom of the sail is not attached properly
  • The term ‘above board’ comes from reputable ships who would have their crew visible on deck, whereas pirates would hide their crew below deck
  • To navigate the oceans sailors would traditionally use a sextant
  • Recreational (pleasure) sailing
  • Yachting
  • Power boats
  • Boat racing
  • Solo sailing
  • Motor boats
  • Speed boats
  • Boating
  • Falls
  • Equipment malfunction
  • Environmental factors
  • Location
  • Group
  • Solo
  • Frequency
  • Qualifications
  • Experience

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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