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
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 0208 432 7333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

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.

critical illness insurance
 
motorbike
 
hazardous pursuit
 
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.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I do lots of overseas travelling for both business and vacation. I’ve started looking at insurances...
 
I’m currently researching insurances to cover me should i fall too ill to work, which is best personal...
 
We’ve just had our first child and i’m looking at taking out critical illness cover in case...
 
I’ve recently got my first mortgage and have been advised to get critical illness cover by a friend,...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Andrew Giles
10/04/2018

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge
13/04/2018

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead
10/04/2018

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.