Answered by Jeremy Cornford
No exclusion for driving a motorbike for general transport reasons
The short answer is yes, if you drive a motorbike as opposed to a car, for general transport reasons, then there is usually no exclusion for a future claim on a critical illness 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 can claim.
Motorbike driving for sport
If you compete in motorbike racing however, or speedway or motor-cross for example though, this would generally be excluded from a future claim, as this is a competitive motor sport, and is more inherently dangerous, therefore it would have been more likely to result in one or more future claims on the policy.
The importance of speaking with an expert
What I would recommend is speaking to an adviser, like Drewberry, to ensure you have a critical illness policy that pays out for the loss of a single limb too, not both limbs as some critical illness plans stipulate you need to have suffered, else you may not meet the insurers definition of a claim and therefore be left still suffering but without the monies to help financially.
Frequently Asked Critical Illness Insurance Questions
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