Does income protection cover surfing?

I’m thinking about taking out income protection insurance, as a keen surfer would i be covered if i have an accident whilst surfing?

Question asked by Steve Ridley
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Answered by Tom Conner

Cover could depend on the kind of surfing you do

All the UK insurers have different appetites when it comes to certain sporting activities. Some insurers have larger risk tolerances for water sports than others. We have found in the past that many insurers are happy to cover occasional surfing, whilst on holiday for example.

If surfing is done on a competitive nature or on a professional level and more frequently; then most insurers are likely to exclude claims relating to surfing and some insurers have also increased the deferral period (waiting period) before a claim can be paid out.

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The best way to approach this is by speaking to one of our independent advisers that have great knowledge about which insurers have a larger appetite to water sports and they can also give you a more accurate and specific answer that is tailored to your own specific circumstances.

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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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