Life Insurance for Kitesurfing

Life Insurance

Kitesurfing is usually a safe sport, although there are instances when things can go awry. When applying for life insurance, it is crucial to choose an insurer that is comfortable with your kitesurfing hobby.

One can take all precautions to ensure safety, but certain environmental factors remain unpredictable.

During your conversation with our advisers, you will be asked:

1. What frequency do you engage in kitesurfing?

1. Do you explore caves with a group or alone?

1. Are you involved in competitions?

1. What is your location for kitesurfing participation?

Engaging in kitesurfing during your holiday won’t raise many worries for the insurers, unless you’re heading to risky places. Typically, standard life insurance terms are readily available for access.

Traveling to high-risk locations or participating in competitions may result in an increase in your premiums. It depends on your personal situation, not a universal rule.

Critical Illness

Critical illness cover will most likely be offered to you with standard terms, meaning there won’t be any price hikes or exclusions.

However, kitesurfing poses certain risks that could increase the likelihood of making a claim on this policy. Traumatic head injuries and paralysis can be included as claimable conditions in many critical illness contracts, therefore some insurers may be wary of your kitesurfing activity.

Income Protection

Income protection is commonly offered by most insurers, although you may have to look for more specialized insurers that cater to your kitesurfing activities.

This is due to the fact that your sport may increase the likelihood of filing a claim on a policy. It’s recommended to keep track of any previous injuries and their dates to help us figure out what should be mentioned and what shouldn’t.

It is important to note that recent injuries may not be covered by the insurer for claims relating to that specific body part. Certain insurers include these exclusions in the policy for the entire duration, while others may limit it to 2-5 years if you have not experienced continuous symptoms.