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

The Kind of Cycling You Do May Impact Cover…

The great news with Life Insurance is that generally (with most insurers) there are no standard exclusions apart from suicide in the first 12 months of the policy, 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. It’s 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 02084327333 or email us on help@drewberry.co.uk

Very good service from Rauri – he has been very helpful and thorough.

Kathryn Wright
16/05/2021
Reviews.co.uk Logo
Compare Top 10 UK Insurers
Takes approx. 60 seconds
  • £

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
London
EC4V 4AB
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.
Finalist - Moneyfacts AwardsFinalist - Cover Excellence AwardsHighly Commended - Protection Review Awards
Proud member of AMII (Association of Medical Insurers & Intermediaries)Proud member of Money Advice ServiceProud member of UnbiasedProud member of BIBA (British Insurance Brokers' Association)

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.