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Life Insurance

In general you should be able to purchase a Life Insurance for motor sports policy with your hobby at standard rates. This will be highly dependent upon the regularity of your pastime and the type of sport that you do. If your motor sports activity is classed as a hazardous pastime you are likely to be provided with two options by the insurance provider: a higher premium or an exclusion on motor sports from your policy. Our insurance advisers can help you to make the decision as to which of these options is best for you depending upon your individual needs, such as budget and reasons for cover.

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Critical Illness Cover

Again, in general there should be no concern applying for Critical Illness Cover with your motor sports disclosure. Due to the enhanced risk of injury that comes with motor sports activities you may find that the insurance provider places an exclusion on the Total Permanent Disability aspect of your policy. This will depend greatly upon the type of vehicles that use, the engine size, maximum speed attainable, average speed used and the types of terrain that are used.

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Income Protection

Income Protection for motor sportsmen is almost certainly going to have an exclusion placed upon motor sports. This means that should you suffer an injury whilst taking part in your motor sport and are unable to work, that you would not be able to make a claim on the policy. We would recommend that you speak with one of our trained insurance advisers who can help you to establish the potential benefits of Income Protection with the motor sports exclusion.

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Alternatively you could apply for Accident, Sickness and Unemployment cover who are likely to provide you with short-term Income Protection despite your motor sport activities. Accident, Sickness and Unemployment cover will provide you with a regular monthly payment for between 12 and 24 months should you be unable to work. Please use our free online quotation system to see the type of cover that is available to you.

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Motor sports are classed as a hazardous pastime by insurance providers if you take part in professional competitions and/or regularly use high speed vehicles.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research