Triathlons & Life Insurance
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Triathlons & Life Insurance
Taking part in triathlons is a fantastic way to keep fit. Our MD Alan Knowles has taken part in over 5 triathlons and knows just how amazing it feels to complete one.
With life insurance insurers see regular exercise as a positive lifestyle factor and it makes them feel that you are going to take steps to really care for your health. Most of the time taking part in triathlons will have no bearing on your life insurance, but there are times that it can do.
To double check this our advisers will ask you:
- How often are you taking part in triathlons?
- Do you take part in professional competitions?
- Are you taking part in triathlons in the UK or abroad?
Insurers can be a bit cautious when sports have a professional aspect to them, this is usually where you are competing for money. This isn’t to say that you can’t get life insurance, it’s just that we might need to go with a particular insurer that can support you, especially if you are regularly outside of the UK.
When you are travelling abroad for triathlons the insurers might ask about the country that you will be visiting, so that they can assess potential risks there. If your trip abroad to a triathlon is purely for your own enjoyment and less than 30 days, it is quite likely that you will be able to arrange life insurance at normal terms.
Our award winning advisers will find the best life insurance to meet your needs.
Triathlons & Critical Illness 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.
Critical illness cover will probably be available to you at standard terms, if you are taking part in triathlons in a non-professional basis.
If you are abroad a lot for triathlons or are a professional triathlete then this can sometimes change your options for critical illness cover.
Our expert advisers will find the right insurer and best critical illness policy to match you and your hobby.
Triathlons & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection will probably be available to you at normal terms with most insurers, if you do take part in triathlons as a hobby.
When you are taking part in triathlons it’s quite natural for there to be times where a muscle becomes a bit strained, or you have some kind of an injury. It’s important to know that things like this can potentially cause an exclusion on your income protection.
As an example, if you have torn a tendon in your right leg in the last year, you could find that there is an exclusion on income protection for your right leg. The timings of the injury will be key here so it might be that there is an exclusion now, but in a few years time there isn’t.
This won’t sound great, but there are many other situations where you might be ill and unable to work. It’s quite natural to think that you don’t want income protection if there will be an exclusion, but we can talk you through the types of claims we have supported and how valuable this policy can be for you.
Our advisers will make sure that you are offered the best terms possible for income protection.
Triathlons & Healthy Living Insurance
There are some insurance policies that allow you to earn rewards and reduce your policy premium, if you are fit an active.
Being a runner is a perfect match to the way that the insurer monitors your fitness levels, so that you can access these benefits.
To find out more please see our healthy living insurance page.
Triathlons & Travel Insurance
Are you going abroad to do a triathlon? It’s a good idea to make sure that your travel insurance doesn’t have exclusions for sporting activities. We suggest speaking with a specialist travel insurance broker. You can find more details on our travel insurance page.
Fun Facts
- It’s a good idea to prepare for triathlons with no music or podcast to entertain you, some events don’t allow you to listen to anything!
- Triathletes might shave their body in the hopes that it reduces air resistance so they get a quicker time.
- Well it’s not a fun fact, it’s a bit of a stinky one, triathletes will often choose to pee their pants rather than stop and lose precious time.
Popular Pastimes
- Classic triathlon
- Ironman
- Olympic triathlon
- Sprint triathlon
Possible Risks
- Broken bones
- Drowning
- Falls
- Sprains
- Traumatic brain injury
Additional Considerations
- Competitions
- Environment
- Frequency
Common Questions
Hi, it’s good to hear from you. If you are planning on being in Morocco for less than 30 days and you are doing the triathlon for a hobby, you should have no issue getting life insurance with most insurers in the UK.
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Dr Kathryn Knowles Phd
Author
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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