Life Insurance
Life insurance for horse riders is typically approved under standard conditions. However, insurers may request additional information that could impact the terms of the offer:
Our advisers will verify this by asking you.
- How frequently do you go horse riding?
- Are you involved in competitions?
- Are you doing private horse riding?
- Are you doing dressage?
- Are you participating in show jumping?
- Is your horse riding based in the UK or overseas?
The specific kind of horse riding you participate in should be mentioned on your life insurance application. Insurers typically do not mind if you are simply leisurely riding your horse around your local area as a hobby for relaxation.
If your horse riding involves professional activities, competitions, or show jumps, the insurer might provide life insurance with non-standard terms. This would result in an adjustment to the life insurance premium. Life insurance premiums may start off low, and although nobody wants to hear about price increases, they are typically less than expected.
Critical Illness
Critical illness cover for horse riders is commonly offered at standard conditions.
Horse riders applying for critical illness insurance may encounter an exclusion for total permanent disability (TPD) among the claimable conditions on the policy. This exclusion may be implemented for individuals who engage in frequent horse riding or participate in higher-risk aspects of the sport like competitions and show jumps. TPD is just one condition within a policy claims set that typically consists of 60 or more conditions eligible for claims. Exclusions aren’t fun, but the policy is there to protect you in many situations.
Income Protection
Insurance applications for income protection for horse riders are generally considered at standard terms. This entails no rises in premiums or exclusions.
This is probably the case if you haven’t had any past injuries.
For instance, if you’ve had a previous sprained ankle, there might be an exclusion regarding claims for that foot in your policy.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
