Does Critical Illness Insurance Cover Cycling?

I’m a keen cyclist and ride to work and home every day as well as going out on my bike at the weekend. Would I be covered by critical illness insurance if I have an accident?

Question asked by Nick Woodhouse

What kind of claims the insurers payout for

Critical Illness Insurance primarily pays out if you have been diagnosed with one of the listed illnesses that are covered on the policy.

Suffering a heart attack, a stroke, or cancer is what most people associate with ‘critical illness’, and approximately 85% of claims on this policy are for those exact conditions.

However, many insurers are now thinking outside the box and offering payouts to people who may have been in an accident and perhaps had to have an arm and/or leg amputated or even worse, become ‘totally and permanently disabled’ – this knows as ‘TPD’.

As Critical Illness Insurance has no standard exclusions, if you were to lose a limb or become ‘totally and permanently disabled’ from a cycling accident, this would indeed be covered.

The kind of cycling you do has an impact on your policy

Road cycling either to or from work or at the weekends for leisure is usually covered automatically but if your cycling is more extreme then the insurer may feel the need to place an exclusion on the plan. For example, downhill mountain biking or BMX jumps may attract an exclusion.

Speak to an expert…

If you partake in anything other than leisure / commuter road cycling then please get in touch and we can discuss which insurer is likely to offer you the best Critical Illness Cover.

Very good service from Rauri – he has been very helpful and thorough.

Kathryn Wright
16/05/2021
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