Life insurance and Sailing / Water Sports
It is usually possible to obtain cover for the majority of sailing and other water sports activity from mainstream insurers.
We have created a separate, specific information page for those involved in Power Boating and other forms of powered water sports (not sail boats with engines)
There are a small number of fatalities associated with sailing and other water sports in the UK, although limited as percentage of the number of participants, the risks of collision, drowning, falls and even lightning strike are nevertheless present.
Some forms of sailing / water sports do bring higher risk including:-
- trans-ocean or sailing beyond inter-coastal waters
- competitions & racing
- sailing alone or on smaller vessels beyond the coastal waters
But, even these types of sailing may not see all life insurers decline to offer cover unless you are older or have health problems or if you engage in these activities professionally or semi-professionally.
When you may need Pulse Insurance
Pulse Insurance are specialists in finding cover when other insurers decline which may be because of:-
- hazardous sports & leisure pursuits
- serious medical conditions
- high risk occupation
- dangerous working or living location
- residency issues
- the need for high sums insured or a more bespoke policy to support Inheritance Planning objectives
Sometimes insurers may decline to cover you for combination of reasons such as age, health and activity.
If you have been declined for whatever reason(s) as above and Pulse may be able to help. We can find often cover when others decline subject to a minimum sum insured of £25,000.
If you have been declined cover for any or even several of the reasons above, please do not hesitate to contact us on 01280 841430 so we can discuss things and set about finding you the cover you need.