Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

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.

Drewberry set up our insurance and were really helpful and made it very easy. I was really pleased at how responsive they are and how friendly and easy they made the whole process. I am delighted to be working with them.

Tara Wavre
13/03/2019
Compare Top 10 UK InsurersTakes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Cannon Place
78 Cannon Street
London
EC4N 6HL
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.