Does life insurance cover cycling?

We have just had our first child and need to get some Life Insurance, i cycle to work and was wondering if it’s covered?

Question asked by Ian Michael
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Answered by Sam Carr

The kind of cycling you do may have an impact on cover

The great news with life insurance is that generally (with most insurers) there are no standard exclusions apart from suicide, so you would be covered for any sports or hobbies you might participate in, including cycling.

Having said that, as life insurance policies are underwritten upfront at the point of inception, you may have to disclose if you were to partake in a more hazardous pursuit, such as BMX riding (hitting jumps) or downhill mountain biking.

How insurers view extreme sports

In certain instances these more extreme sports may be excluded from cover, although as life insurance is only concerned with death, it’s only in rare circumstances that such exclusions apply. The other option that insurers have is to offer cover for the extreme hobby but increase the monthly premium to reflect a higher chance of a claim being made. Its best to speak with an adviser who can confirm what would and wouldn’t be covered.

Talk to an expert

Drewberry advisers can help you find the most suitable cover for your personal circumstances. Give us a call on 01273 646 484 or email us on help@drewberry.co.uk

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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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