When you apply for Life Insurance skiing is considered to be a notifiable pastime, due to the potential risks that come with the sport. Where you ski recreationally as part of general winter holiday pleasure, you should be able to secure a Life Insurance policy at standard terms. If you are a professional skier then you may need to place your application with a specialist provider who will review your cover based upon factors such as your experience and the amount of time you spend skiing.
Critical Illness Insurance for skiers will be assessed in a similar manner to that of Life Insurance. The insurance provider will want to know if you ski for leisure purposes or as part of a competitive environment. If you ski purely for recreational purposes then your Critical Illness Cover application is likely to be accepted at standard terms. Where skiing is of a competitive nature the application may need to be placed with a specialist provider who can consider cover for you.
Income Protection for skiers will generally be accepted at standard terms where the skiing is a part of general winter leisure pursuits. Where skiing is performed in a competitive event it is possible that the insurance provider may place an exclusion on any claims made as a result of illness or injury as a result of competitive pursuits. Our insurance advisers will place your application with the most appropriate insurance provider to suit your individual circumstances.
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Skiing is generally thought of as a winter sport where an individual uses a set of skis and poles to propel themselves down a snow covered surface. A skier will wear a ski suit (or snow suit), helmet and eye protection to ensure that they optimise their safety whilst skiing.
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