Does income protection cover cycling?

I’m a keen cyclist and looking at income protection to cover my income if i’m too ill to work. Would i be covered?

Question asked by Thomas Johnston
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Answered by Michael Englefield

How Income Protection cover works

Income protection will cover you if you are off work and unable to do your job due to accident and sicknesses. Frequently, many people, when asked think that their income is only protected inside work. However, anything that will render you unable to work due to an accident or illness, the insurance will pay out regardless of whether or not it is caused by your job.

Am I covered if I am in a cycle accident?

Insurers are happy to cover cycling and similar activities and hobbies. For example, if you are cycling to work, or cycling for a sports club then you will usually be covered. For example, take the scenario that you are riding a bike in the middle of a busy street and God forbid you were hit by a bus; the injuries sustained from that accident will be covered if it means you cannot do your job.

Competitive cycling

If you are cycling in a competitive capacity with many insurers, then it does not automatically mean you are not covered. It really depends on what you do. Where this is not usually covered is if you cycle as a paid professional or semi professional or it is very extreme, like entering BMX or downhill mountain biking competitions.

Get in touch…

If you would like cycling to be covered pop us a call and as independent advisers we can take down details of your specific situation and try to find an income protection provider that will offer cover

income protection
 
cycling accident
 
accident and sickness
 
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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