Life Insurance
Snowboarding requires a good amount of skill and is an enjoyable sport. Snowboarding during a vacation is not expected to impact your life insurance application.
Certain activities may be perceived as riskier to insurance companies, so it’s advisable to verify how they view snowboarding prior to submitting an application.
When communicating with our advisers, you will be asked:
- How frequently do you go snowboarding?
- Where is your snowboarding destination?
- Are you snowboarding alone or with a group?
- Are you participating in any competitions?
Life insurance for snowboarders may be offered at standard rates if it is solely for recreational purposes. The frequency of your trips outside the UK each year may necessitate caution in choosing an insurer to prevent potential increases in life insurance premiums.
In cases where snowboarding involves competition, it may be necessary to seek a specialized insurance provider who can provide appropriate coverage. Selecting the appropriate insurer is crucial, even though it doesn’t guarantee tricky premiums or intricate wording in the policy.
Critical Illness
Snowboarders can typically still get critical illness insurance at regular rates, as long as snowboarding is just a recreational activity.
Individuals participating in competitive snowboarding may be required to submit their insurance application to certain insurers. Critical illness policies may have exclusions related to sports and premiums can increase significantly based on the insurer’s regulations.
Income Protection
Income protection for snowboarders could be accessible with certain insurers under standard terms. There will be no premium increases or exclusions related to snowboarding.
Income protection policies often have exclusions added for pre-existing health conditions. Health issues like a broken ankle, back pain, or a torn ligament could result in certain exclusions in your income protection policy for claims related to those issues. An exclusion might not be ideal, but they can sometimes be reconsidered and you will still be covered for other scenarios.
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.
