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
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Josh Martin

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

life insurance
 
cycling
 
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 Life Insurance Questions

 
I’ve seen insurance ‘guaranteed insurability option’ on insurance policies when I’ve...
 
We are just about to send our only child off to a private secondary school and no doubt University from...
 
We have recently taking out joint life insurance off the back of our first mortgage, should this be...
 
I’ve had Asthma since childhood, is it possible to get Life Insurance and will it cost me more...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Kevin Ballinger
29/11/2018

Excellent service. Well documented and prompt meetings arranged, with polite reminders. Good, clear advice and excellent product choice for me. Very pleased and highly recommended.

Kylee Kelly
22/11/2018

Jake and Jack and Drewberry were excellent and I would definitely use their services again. We purchased life insurance from them and we are now getting them to look into income protection cover for us. They are very knowledgeable and the set up was a breeze.

Priyadharshini Westphal
25/11/2018

Really personalised service. Would definitely recommend. Very helpful and not pushy. Oliver was through and lovely to speak to.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1916 Reviews
Verified Buyer
Overall Rating
The whole process was a pleasure. Drewberry we're easy to deal with, polite, knowledgeable and helpful
Verified Buyer
Overall Rating
Very good, clear service would recommend to friends and family
Anon
Overall Rating
Sam Carr provided an efficient and professional service.
Verified Buyer
Overall Rating
Sam Carr provided a professional but enthusiastic service and helped make the whole process very straight forward. Goodness knows I have been through enough application forms recently. My insurance product was never going to be easy to find and I had been rejected on a number of other occasions through others ironically due to well managed common health conditions. I identified Drewberry in a last and disappointing trawl on th web to find someone that actually wanted to take on a difficult case like me. Some brokers wouldn't even consider me. When we applied for my first choice product Sam wasn't at all deterred by the long wait for my GP report or the final rejection that came back from the insurer, sadly I have become used to it. Within a day he had lined up the second choice and to my surprise he had hit the nail on the head and introduced me to the correct insurer and terms for my needs whilst nogotiating an excellent premium. I am extremely satisfied with what Sam has achieved for me and I would have no hesitation in recommending either him or Drewberry to friends, family and and business contacts. In the future, Drewberry will be my first point of contact. Many thanks!
Kym
Overall Rating
Tailored to my need and the staff gave very good service