Skiing & Life Insurance
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When you apply for life insurance skiing is considered to be a notifiable pastime, due to the potential risks that come with the sport. Where you ski recreationally as part of general winter holiday pleasure, you should be able to secure a Life Insurance policy at standard terms.
If you are a professional skier then you may need to place your application with a specialist provider who will review your cover based upon factors such as your experience and the amount of time you spend skiing.
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 skiers will be assessed in a similar manner to that of Life Insurance. The insurance provider will want to know if you ski for leisure purposes or as part of a competitive environment. If you ski purely for recreational purposes then your critical illness cover application is likely to be accepted at standard terms. Where skiing is of a competitive nature the application may need to be placed with a specialist provider who can consider cover for you.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for skiers will generally be accepted at standard terms where the skiing is a part of general winter leisure pursuits. Where skiing is performed in a competitive event it is possible that you may need to place your insurance with a specialist insurer. The insurer will be particularly interested if you have previously had injuries due to skiing. Our insurance advisers will place your application with the most appropriate insurance provider to suit your individual circumstances.
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