Does Income Protection cover Skiing?

I’m looking at getting income protection cover. Is there a plan i can get that would cover me for my skiing hobby?

Question asked by Maxine New
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Answered by Tom Conner

Skiing is a fantastic form of exercise. However it can also be a very strenuous sport on the body which can cause injury.

Cover could depend on the type of Skiing you do

Income Protection does generally cover normal holiday skiing. It is important to know that if you are skiing in competitions or are skiing off-piste then insurers will usually exclude this from cover in an Income Protection policy (although some plans will still provide cover so long as you ski within bounds).

The insurers are concerned that if you ski off-piste or in competitions, then there is a higher risk that you may have a serious accident that results in an injury claim being made.

Be as accurate as possible in your application

It is very important to be as honest and accurate as possible when it comes to disclosing leisure pursuits in your application so that in the event that you do need to make a claim, there will be no issues with an insurer paying a claim.

Seek advice

Please get in contact with us directly and we can speak to all the leading insurers about your leisure pursuits and see what the best option would be for you.

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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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