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Life Insurance

In general you should be able to purchase a Life Insurance for motor sports policy with your hobby at standard rates. This will be highly dependent upon the regularity of your pastime and the type of sport that you do. If your motor sports activity is classed as a hazardous pastime you are likely to be provided with two options by the insurance provider: a higher premium or an exclusion on motor sports from your policy. Our insurance advisers can help you to make the decision as to which of these options is best for you depending upon your individual needs, such as budget and reasons for cover.

Get a Life Insurance Quote

Critical Illness Cover

Again, in general there should be no concern applying for Critical Illness Cover with your motor sports disclosure. Due to the enhanced risk of injury that comes with motor sports activities you may find that the insurance provider places an exclusion on the Total Permanent Disability aspect of your policy. This will depend greatly upon the type of vehicles that use, the engine size, maximum speed attainable, average speed used and the types of terrain that are used.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for people doing motor sports may be available at standard rates, depending upon your track record. Insurers will want to know if you have ever been injured due to your hobby, and this will have a bearing on the policies available to you.

If you have had multiple injuries in the past due to your motoring activities, it is possible that your Income Protection policy may come with an exclusion. We would recommend that you speak with one of our trained insurance advisers who can help you to establish the potential benefits of Income Protection with the motor sports exclusion.

Get an Income Protection Quote

Alternatively you could apply for Accident, Sickness and Unemployment cover that are likely to provide you with short-term Income Protection despite your motor sport activities. Accident, Sickness and Unemployment cover will provide you with a regular monthly payment for between 12 and 24 months should you be unable to work. Please use our free online quotation system to see the type of cover that is available to you.

Get an Accident, Sickness and Unemployment Quote

Motor Sports Travel Insurance

For those who are travelling abroad and wanting to drive for leisure or sport, care should be taken that the correct insurance is in place. Make sure that your UK driving licence permits you to drive the vehicle you will be using. For more details see our specialist travel page here.

For more information on specific health conditions, pastimes, occupations and countries please select here:

Hazardous Occupations
Abattoir Workers Aerial Riggers Animal Trainers Armed Forces Personnel - Army Armed Forces Personnel - Navy Armed Forces Personnel - RAF Blacksmiths Bricklayers Builders Carpenters Divers Electricians Engineers Farmers Firefighters Fishermen Flying Instructors Helicopter Pilots Miners Offshore Workers Paramedics Personal Trainers Pilots Plumbers Police Officers Professional Sports People Roofers Rope Access Technicians Rugby Players Scaffolders Security Guards Steeplejacks Taxi Drivers Teachers Test Pilots Truck Drivers Welders
Foreign Travel
Afghanistan Angola Australia Bahrain Black Sea Brazil Canada Caspian Sea China Colombia Democratic Republic of Congo Dubai Gulf of Mexico Hong Kong India Iran Iraq Japan Kuwait Libya Nigeria North Sea Oman Pakistan Pointe Noire Russia Saudi Arabia Singapore Somalia South Africa Syria Ukraine United Arab Emirates (UAE) USA
Health Conditions
Acoustic Neuroma Addison's Disease Alcoholism Angina Angioedema Ankylosing Spondylitis Anorexia Antiphospholipid Syndrome Anxiety Arthritis Asperger's Syndrome Asthma Atrial Fibrillation Autoimmune Disorders Barretts Oesophagus Basal-Cell Carcinoma Behçet's disease Bell's Palsy Bipolar Disorder Blindness Borderline Personality Disorder Bradycardia Breast Cancer Brittle Bone Disease Bulimia Cancer Cerebral Palsy Cervical Cancer Cervical Spondylosis Chronic Fatigue Syndrome Coeliac Disease Coronary Angioplasty Coronavirus Crohn's Disease Deafness Depression Dermatomyositis Diabetes - Type 1 Diabetes - Type 2 Diabetes Insipidus Diabetes Diverticulitis Drug Users Dystonia Ehlers-Danlos Syndrome Epilepsy Familial Hypercholesterolaemia Family Medical History Fatty Liver Disease Fibromyalgia Functional Neurological Disorder Gastric Bypass Gestational Diabetes Gout Graves' Disease Haemochromatosis Haemophilia Heart Attack Heart Conditions Hepatitis A Hepatitis B Hepatitis C Hepatitis E High Blood Pressure High Blood Sugar High BMI High Cholesterol Hirschsprung's Disease HIV Hodgkin Lymphoma Hughes Syndrome Huntington's Disease Hyperhidrosis Hypermobility Syndrome Hypertrophic Cardiomyopathy IBS Iron Deficiency Anaemia Kidney Cancer Kidney Stones Kidney Transplant Labyrinthitis Left Bundle Branch Block Leukaemia Lupus Ménière's Disease Marfan Syndrome Mental Health Disorders Metabolic Syndrome Migraines Multiple Sclerosis Musculoskeletal Conditions Neurofibromatosis - Type 1 Neurofibromatosis - Type 2 Neurological Disorders Non-Hodgkin Lymphoma OCD Osteoarthritis Ovarian Cancer Overactive Thyroid Overweight Panic Attacks Paraplegia Parkinson's Disease Polycystic Ovary Syndrome Polymyalgia Rheumatica Polymyositis Post Traumatic Stress Disorder (PTSD) Postnatal Depression Prader-Willi Syndrome (PWS) Prostate Cancer Pseudoxanthoma Elasticum Psoriatic Arthritis Pulmonary Embolism Quadruple Heart Bypass Retinitis Pigmentosa Rheumatoid Arthritis Right Bundle Branch Block Sarcomas Schizophrenia Scoliosis Sickle Cell Anaemia Trait Sickle Cell Anaemia Sjögren's Syndrome Skin Cancer Sleep Apnoea Smokers Stickler Syndrome Stress Stroke Suicidal Thoughts Suicide Attempt Tachycardia Testicular Cancer Tetralogy of Fallot Thalassaemia Thrombosis Thyroid Cancer Thyroid Conditions TIA Tinnitus Transgender Transsexuals Turner Syndrome Ulcerative Colitis Underactive Thyroid Underweight Urinary Tract Infection (UTI) Viral Hepatitis Vitamin B12 Anaemia or Folate Anaemia Vitiligo Von Willebrand Disease
Hazardous Pastimes
Abseiling Ballooning Bodybuilding Canoeing Caving Cycling Diving Gliding Hang Gliding Horse Riding Motor Sports Parasailing Rock Climbing Rugby Players Running Sailing Skiing Skydiving Snowboarding Water Sports

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Motor sports are classed as a hazardous pastime by insurance providers if you take part in professional competitions and/or regularly use high speed vehicles.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research

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