Does critical illness insurance cover motorbike riding?

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?

Question asked by Chris Carr
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Answered by Michael Englefield

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.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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