Income Protection for people who sail can be available at standard rates, provided that your application is placed with the right insurance company. For standard terms to be available, sailing should be restricted to UK waters with no or little competitions. Where the insurer feels that your sailing is of a higher risk, such as transoceanic sailing and competitions, they may choose to increase your policy premiums or place an exclusion on the policy for any claim related to sailing.
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Sailing involves an individual or group of people who use a boat with sails to travel the sea. Yachting refers to the use or a yacht rather than a sail boat and power boating involves the use of a boat powered by a motor. For the purpose of Life Insurance, Critical Illness Cover and Income Protection the three are treated the same and will be referred to as sailing for the purpose of this page.
Sailing may be restricted to UK waters or for some individuals may involve transoceanic routes.
This guide covers sailing as a pastime.
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
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