Equestrian Sports Life Insurance Cover
Equestrian sports life insurance, critical illness cover and income protection
We are a leading insurance expert for people who take part in extreme sports or who have hazardous hobbies including Equestrian sports life insurance, critical illness cover and income protection because of the risks involved in this type of activity. If you are a horse rider then you may know that there are certain risks involved with the sport that you do and you may not be aware that Equestrian sports life insurance, critical illness cover and income protection is considered to be one of the higher risk pass times. There is a vast range of different types of Equestrian activities so when it comes to life insurance, critical illness cover and income protection there are a wide range of potential outcomes depending on what you do and how often you do it.
It is important for anyone taking part in extreme or dangerous sports to consider taking out cover to protect themselves and their families in the event of accident, illness or even death. In this section we consider the impacts of taking part in equestrian sports on making an application for Equestrian sports life insurance, critical illness cover or income protection and the risks to be considered.
Equestrian sports life insurance
In the majority of applications and cases for Equestrian sports life insurance there are some possible implications from an underwriting perspective. It is often possible to get Equestrian sports life insurance premiums at the same rate as someone who does not take part in extreme or dangerous sports. If you are applying for Equestrian sports life insurance then you will be required to disclose additional information about your activity, such as:
- What your horse riding activities are
- How regularly you ride horses
- Type of horses you ride
- Do you take part in events or competitions
For most there should be no major issues when applying for Equestrian sports life insurance however if you take part in events or if you horse ride very regularly then you should be aware that there may be additional implications. Some people who ride competitively on a regular basis may find that there will be loadings applied to your premiums which can vary dramatically from one insurance provider to another.
If you have previously applied for Equestrian sports life insurance and had issues or feel that you were not provided with the best advice then you should contact our team of experts. It may be that you have applied for cover in the past and been either refused cover or not got the right outcome because of your circumstances at the time which may have changed so it is well worth speaking to us.
Equestrian sports critical illness cover
It is also generally very possible to get a policy to provide a policy for Equestrian critical illness cover which will provide you with cover if you were to be diagnosed with a critical or serious illness such as Cancer, Heart Attack, Stroke etc. Generally there are very few additional underwriting risks when it comes to Equestrian sports critical illness cover so there are no real additional implications to consider unless as with life insurance you take part in competition or it you ride often.
Those people who take part in regular horse riding activities or if you do competitive events then you may find that there is an additional premium loading or increase due to the added risks. Often your application will be underwritten on the basis of the information provided on your application forms without the need for any extra details unless there are specifics. It is also likely that certain insurers will be better than others when it comes to underwriting Equestrian sports critical illness cover so our experts will help you to find which one suits you and your circumstances.
Equestrian sports income protection
It is important to consider this type of cover if you take part in extreme sports or dangerous hobbies because of the extra risks of injury or accident. Equestrian sports income protection is usually available with no restrictions or added premium loadings where you only take part in irregular amateur activities. Underwriters will also want to know whether you have experienced much time off work in recent years because of your sport. If there are recent issues or long-term issues then you may find that your premiums could increase or you may be excluded for related issues.
As with the other types of cover it may cause some slight issues in underwriting if you take part in regular activities or if you do competitive horse riding. In cases where there are professional activities or events then you may be excluded from related claims in your offer for Equestrian sports income protection.
If you need more help or to get a competitive quote for Equestrian sports life insurance, critical illness cover and income protection then you should contact one of our team of experts today.