Does Critical illness insurance cover sailing?

I’m looking at taking out critical illness cover to pay off my mortgage should i be too ill to work, my passion is sailing and i was just wondering if this would be covered in my policy?

Question asked by Jess Lloyd
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth

Answered by Josh Martin

What kind of sailing you do makes a difference

There are two key facts that the insurers will need to know when it comes to sailing. Is there any racing involved and/or are you taking part in any trans-ocean sailing? If the answer is ‘no’ to both of those questions, then there is a good chance that the insurer will not feel the need to place a sailing exclusion on your critical illness insurance policy.

However, if the answer is ‘yes’ to either of those questions, there may be an exclusion placed on the policy for any claims relating to sailing.

If your sailing is done on more of an adhoc basis and is purely for leisure purposes in domestic waters then this would be considered a lesser risk to the insurers. However, if you are engaging in sailing at a competitive level or sailing across oceans, this is a much greater risk to the insurer which is why they put exclusions on sailing in certain circumstances.

Speak to an expert

We strongly recommend getting in touch with one of the team at Drewberry Insurance and we can contact the insurers to find the best cover for your needs.

critical illness insurance
 
sailng
 
claim
 
exclusion
 
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’m going to get critical illness cover but one thing that I would like more information on Total...
 
I’m looking at taking out critical illness cover and wanted to double check that i could be covered...
 
I’ve recently been declined critical illness insurance by an insurance company i have dealt with...
 
We’ve just had our first child and i’m looking at taking out critical illness cover in case...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.