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Life Insurance

Life Insurance for people who partake in sailing can often be secured at standard terms provided that you remain in UK waters and are not involved in competitions. The insurer will want to know how regularly you sail, where you sail and whether you sail on your own or as part of a group. Sailing Life Insurance applications that involve transoceanic travel or competitive events may be subject to a premium loading but it is worth speaking to an adviser to confirm as every situation is different.

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Critical Illness Cover

Critical Illness Insurance for people who sail as a hobby can often be available at normal terms if you keep inshore and do not take part in regular competitions. For those who do perform transoceanic sails or take part in competitions the policy premiums may be increased or a sailing exclusion may be placed on the policy.

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Income Protection

Income Protection for people who sail can be available at standard rates, provided that your application is placed with the right insurance company. Insurers will want to know if your sailing is within UK waters or transatlantic, and if you take part in competitions. Sailors who have experienced multiple injuries whilst taking part in the sport may need to place their cover with specialist providers.

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Sailors Travel Insurance

If you are planning on sailing outside of UK waters, or on transatlantic voyages,you need to make sure you have the right travel insurance in place. Find out more here.

Fun Facts

  • You may hear the word footloose and immediately think of Kevin Bacon, but the words origin comes from sailing, meaning that the bottom of the sail is not attached properly
  • The term 'above board' comes from reputable ships who would have their crew visible on deck, whereas pirates would hide their crew below deck
  • To navigate the oceans sailors would traditionally use a sextant

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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

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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