Life Insurance
Participating in skiing during a holiday typically does not impact life insurance applications, although there are certain situations where it might.
During our conversation, we will enquire:
- What is your skiing frequency?
- Where do you intend to ski?
- Do you ski off-trail?
- Do you typically ski solo or with a group?
- Are you involved in competitions?
Within the process of applying for life insurance, skiing is a sport that the majority of UK insurers will inquire about. People who ski recreationally during winter holidays should be able to get life insurance at standard terms with various insurers.
Professional skiers may need to apply for insurance with a specialized provider. The insurer will consider both your skiing experience and other relevant factors.
Critical Illness
Critical illness insurance for skiers is commonly offered by UK insurers. The insurance provider needs to know if you ski recreationally or competitively.
If you ski for purely recreational reasons, your application for critical illness cover will likely be accepted under standard terms.
In cases where skiing is a competitive activity, it may be necessary to apply for specialized insurance that includes coverage for critical illness.
Income Protection
Income protection for skiers will typically be approved under standard conditions if skiing is considered a part of regular winter recreational activities.
In competitive skiing events, you might need to secure insurance through a specialized insurer.
The insurer will focus on any recent injuries you have had. Injuries such as a sprained ankle or fractured thumb may result in temporary exclusion from policy claims for certain areas.
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.
