Kitesurfing & Life Insurance

Kitesurfing is a great sport that is generally very safe to do, but there can be times that things can go wrong. That is why when you’re applying for life insurance it’s important to find the right insurer that is ok with your kitesurfing.

You can take all the precautions possible to stay safe, but there are some environmental factors that you just can’t count on.

When you speak to our advisers we will ask you:

• How often do you go kitesurfing?
• Are you part of a group or solo caving?
• Do you take part in any competitions?
• Where do you travel to take part in kitesurfing?

Doing a bit of kitesurfing when you are on holiday isn’t going to cause much concern to the insurers, unless you travelling to high risk locations. Most of the time you will be able to access standard terms for life insurance.

You can find that your premiums can increase if you are travelling to high risk locations or are taking part in competitions. This isn’t always the case it really comes down to your individual circumstances.

Our expert advisers will help find the right insurer for you to get you the best terms for life insurance.

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, this means no price increases or exclusions.

But there are certain risks with kitesurfing that can put you at a higher risk of claiming on this policy. Things like traumatic head injuries and paralysis are claimable conditions on most critical illness contracts, so you might find that some insurers are cautious of your kitesurfing.

Our award winning advisers are here to find the right insurer so that you get the best terms for critical illness cover.

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

Income protection will usually be available with most insurers, but you might find that you need to go to more specialist insurers that can sport your kitesurfing. 

This is because your sport potentially puts you at a higher risk of making a claim on a policy. If you have had any injuries in the past it’s a good idea to make a note of these and when they were, so that we can determine what needs to be disclosed and what doesn’t.

You can find that if you have had any recent injuries that the insurer excludes claims relating to that part of your body. Some insurers put these exclusions on for the entire policy and others may set a limit of 2-5 years, as long as you have not had ongoing symptoms.

Our expert advisers are here to find the right income protection policy to support you and your hobby.