Sailing & Life Insurance

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SailingSailing is quite a big part of our local town Filey. We have a Sea Cadets and my eldest child spent a good part of the summer in the sea, which was fantastic to see.

Depending upon the life insurance provider that you use, sailing can be something that needs a little more detail on your application.

When you speak to our advisers we will ask you:

  • How often are you sailing?
  • Are you sailing alone or with a group?
  • What size is the vessel you are on?
  • Are you always in sight of land?
  • Do you take part in any competitions?

Life insurance for people that like to sail can often be secured at standard terms, provided that you remain in UK waters and are not involved in competitions.

There are some specialist insurers that will not ask about where you sail or if it is competitive and our advisers can help you determine if you are eligible for these options.

Sailing life insurance applications that involve transoceanic travel or competitive events can sometimes lead to quite high premium increases, with some insurers. The key thing here is that this is some insurers, not all of them.

Our award winning advisers will find the best life insurance to match you and your sailing activities.

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.

If you take part in transoceanic sailing or sailing competitions, the policy premiums may be increased or a sailing exclusion may be placed on the critical illness cover.

Our team of award winning advisers will find the right insurer and critical illness policy to give you the protection that you need.

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

Income protection for people that sail can be available at standard rates, if 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.

With all of the safety measures that you will be following you might not feel that your trips are particularly risky, but some insurers do see sailing as putting you at a higher risk of making a claim for income protection.

If you have had any injuries in the past such as back pain, shoulder or arm injuries, these can potentially lead to exclusions on the policy.

Our advisers will talk through all of this with you to make sure that you get the best income protection policy that is available to you.

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. You can find out more details at our travel insurance page.

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

Common Questions

Hi, unfortunately the answer is that it depends. Some insurers and insurance policies do not ask about your sailing activities, so you might not need to mention it, but more UK insurers do ask. How often you sail, the size of the boat and if you are competing will all come into what the insurer wants to know. 

If you are just doing small sailing in the local bay it’s unlikely that this will have an impact upon insurance terms that you are offered.

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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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