Can I Get Critical Illness Insurance If I've Had Cancer?
Question asked by Ruth Stone
I’m 43 years old and looking at taking out Critical Illness Cover. I drive a motorbike to work and back and sometimes on a weekend. Would any insurance companies accept me?
The short answer is yes, if you drive a motorbike for general transport reasons then there is usually no exclusion for a future claim on a Critical Illness Insurance policy if you suffer an injury while on your motorbike.
If you have a motorbike accident in the future and the injury was serious enough to meet the definition of a claim, such as total permanent disability or a brain injury that disables you, then you should be able to claim.
If you compete in motorbike racing, however, or speedway or motor-cross racing, this would generally be excluded from a future claim.
This is because this is a competitive motor sport and is more inherently dangerous. As such, it would have been more likely to result in one or more future claims on the policy.
What I would recommend is speaking to an adviser, like Drewberry, to ensure you have a Critical Illness Cover policy that pays out for injuries you’re particularly likely to suffer when riding your motorbike, such as loss of a single limb.