Life Insurance
Engaging in outdoor cycling is an effective method to stay in shape, and typically insurance providers do not consider it a high-risk activity.
Cycling may not be specifically mentioned in the insurance application questions, but our advisors might confirm this by asking a few additional questions.
We could inquire:
- Do you participate in cycling races?
- Do you ride on challenging cycling trails?
- Do you ride your bike outside the UK?
Mountain biking should not affect your life insurance application when you apply for it. Insurance companies frequently inquire about any high-risk sports activities you participate in, so it’s advisable to clarify their stance if you engage in mountain biking with BMX techniques.
Critical Illness
Critical illness insurance for cyclists should be offered at standard rates by all major insurance companies.
Traveling overseas and engaging in intense cycling activities may impact the conditions of your critical illness coverage. There can be a difference in opinions between insurers and individuals on what constitutes an extreme sport.
Income Protection
Income protection for cyclists should be offered by most insurers at standard rates.
Cyclists seeking income protection policies should be aware that past injuries could result in certain exclusions from the policy. Injuries such as back pain or ligament tears, as well as previous incidents of bike accidents resulting in bone fractures, could result in limitations on policy claims. These exclusions could be either permanent or temporary.
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.
