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Home » Hazardous Pastimes » Sailing

Life Insurance, Critical Illness Cover and Income Protection for Sailors

Popular Pastimes: Recreational (pleasure) sailing, yachting, power boats, boat racing, solo sailing, motor boats, speed boats, boating

Possible Risks: Equipment malfunction, environmental factors

Additional Considerations: Location, group/solo, frequency, qualifications, experience

Life Insurance

Life 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

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

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.

Sailors Travel Insurance

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

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Very helpful, James worked hard to find the right cover for me and explore the detail with the underwriters."

"Couldn't rate more highly. I moved from another broker due to slow response speeds. Mark responded really quickly (sometimes from his holiday!)"

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."