Life Insurance for Sailing

Life Insurance

The level of detail required on your application may vary depending on the life insurance provider you choose and if you plan on sailing.

Our advisers will inquire when speaking to you:

1. What frequency do you sail?

1. Are you going sailing by yourself or with others?

1. What is the size of the vessel you are on?

1. Can you always see land?

1. Are you involved in competitions?

Individuals who enjoy sailing may be able to obtain life insurance at standard rates as long as they stay within UK waters and do not partake in competitions.

Certain specialist insurers do not require details about your sailing activities, and our advisers can assist in determining if you qualify for these options.

Life insurance applications for sailing that include transoceanic trips or competitive events may result in significant premium hikes with certain insurers. It is important to note that this pertains to some insurers, not all of them.

Critical Illness

People who sail as a hobby can usually get critical illness insurance at regular rates if they stay close to the shore and avoid competitions.

Participating in transoceanic sailing or sailing competitions could lead to higher policy premiums or a sailing exclusion on the critical illness cover.

Income Protection

Income protection for people who sail may be accessible at standard rates, provided that your application is submitted to the appropriate insurance company. Insurers will inquire whether your sailing is within UK waters or transatlantic, and if you participate in competitions.

Even though you’re taking precautions, insurers consider sailing trips as potentially higher risk for insurance claims.

Previous injuries like back pain, shoulder, or arm injuries may result in exclusions on the policy.