Motocross & Life Insurance
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Motocross & Life Insurance
Motocross is a fantastic sport but there are a few factors that can make it seem quite risky to insurers’ eyes.
While motocross typically doesn’t feature on life insurance applications in the UK, many forms ask open-ended questions about participation in extreme sports. Depending on the nature of your motocross activities, you may need to mention it.
To get the right life insurance options for you, our advisers will ask:
- How often do you do motocross activities?
- Do you participate in motocross competitions?
- Do you take part in motocross in the UK or internationally?
In most cases, if motocross is just a hobby, it shouldn’t impact your life insurance premiums with some insurers. You should still be able to get cover at standard rates.
However, if you compete professionally or travel abroad for motocross events, it’s important to find an insurer that understands and supports your activities. Riskier sports can lead to higher premiums, so researching the UK market to find the best policy is really important.
Our award-winning advisers will help you find the ideal life insurance plan tailored to your needs.
Motocross & 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 includes several conditions that are higher risk due to motocross, such as paralysis, traumatic head injuries, and comas. As a result, your motocross activities could affect which insurer is the best fit for you.
While most insurers don’t specifically mention motocross in their questions, they do ask about extreme sports in general. Even if your motocross isn’t at an extreme level, it’s important to clarify the specifics with the insurer. Speaking to underwriters before submitting your application is a really good idea, to make sure you answer all of their questions correctly. This is where we shine!
There’s a possibility you could get critical illness cover at standard terms with some insurers, especially if your motocross is non-competitive and doesn’t involve extreme variations.
Our expert advisers will help you find the right insurer and critical illness policy that aligns with both your lifestyle and your hobby.
Motocross & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection insurers often view motocross as a higher risk. They’re generally cautious with income protection policies because even minor health issues can lead to time off work.
People of working age are much more likely to claim on an income protection policy than on life insurance or critical illness cover. Insurers will assess your application by considering both your occupation and your participation in motocross. They evaluate how likely it is that you’ll have an accident while riding, and if an injury would impact your ability to work.
For example, if you break your leg while doing motocross, it may not keep you from working long if you have a desk job. However, if you’re a yoga instructor, an injury could keep you out of work for a considerable time due to the physical demands of your job.
Many insurers are cautious about motocross and may place exclusions on your policy for claims related to the activity. In some cases, they may not offer income protection at all.
We have access to insurers who are more flexible with people who do motocross and may be able to provide income protection without exclusions. Our advisers will ensure you get the best possible terms for your income protection policy.
Motocross & Travel Insurance
Planning to take your motocross abroad? It’s important to check that your travel insurance covers motocross without any exclusions. We recommend speaking with a specialist travel insurance broker for the best advice. For more information, visit our travel insurance page.
Fun Facts
Motocross is potentially the most physically demanding motorcycle race.
Today’s motocross may have evolved from the UK’s Auto Cycle event in 1909.
Why the word “motocross”? It’s a combination of motorcyclette (French) with the word cross-country.
Popular Pastimes
- ATV / Quad Motocross
- Freestyle
- Pit Bikes and Mini Motocross
- Sidecarcross
- Supercross
- Supermoto
- World Championships
Possible Risks
- Broken Bones
- Dislocations
- Environment
- Falls
- Head Injuries
- Paralysis
Additional Considerations
- Competitions
- Frequency
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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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XXXXXX & Life Insurance
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To double check this our advisers will ask you:
- How often are you XXXXXX?
- Do you take part in competitions?
- Is your XXXXXX in the UK or abroad?
The type of horse riding that you do may need to be disclosed on your life insurance application. Insurers are often not bothered if you are just doing wandering with your horse in your local area, as a hobby to get away and clear your mind.
If your horse riding has any professional activities or if you take part in competitions or show jumps, then the insurer may offer your life insurance at non-standard terms. This would be an increase to the life insurance premium. Life insurance premiums are very low to start off with and a price increase is not something any of us wants to hear, but the increases are usually far less than you expect.
Our award winning advisers will find the best life insurance to meet your needs.
XXXXXX & 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
Our expert advisers will find the right insurer and best critical illness policy to match you and your hobby.
XXXXXX & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
When
Our advisers will make sure that you are offered the best terms possible for income protection.
XXXXXX & Travel Insurance
Are you going abroad to XXXXXX? It’s a good idea to make sure that your travel insurance doesn’t have exclusions for XXXXXX. We suggest speaking with a specialist travel insurance broker. You can find more details on our travel insurance page.
