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Water sports life insurance, income protection and critical illness cover

Several million people in the UK enjoy various water sports every year. Being active is essential for our health and spending time in ‘blue spaces’ such as lakes and the sea improves our mental health. With endless coastlines, numerous seas, lakes and rivers, the world has so many options for taking part in water sports. From conquering the waves on a surfboard to scuba diving, water allows you to experience improved fitness and reduced stress levels. It is also a riskier environment from the insurance perspective. WeCovr is a leading life insurance, critical illness cover and income protection specialist that helps people with potentially hazardous sports and hobbies such as water sports, including sailing, water skiing and diving, to find suitable coverage.
Are you worried that your family will suffer if you have an accident or even die while practicing your favourite water sport or hobby?
WeCovr works with a panel of expert award-winning insurance advisers who cover all insurance underwriters active in the UK market, including those happy to underwrite life insurance for water sports enthusiasts. Most water sports are not considered dangerous if practiced recreationally, however they all carry the potential of being practiced at an extreme sports level. Water sports require both considerable skill and physical ability to avoid poor execution, which may result in considerable risk of serious physical harm to the participant of the sport. Therefore, it is very important for people practicing water sports to have life insurance cover from underwriters who understand their activities to make sure they are covered properly.
WeCovr helps water sports participants practicing higher-risk activities find life insurance, income protection and critical illness cover, while saving them money. WeCovr works with only FCA-authorised insurance experts that specialise in underwriting higher-risk lifestyle activities. They are not tied to any one insurance provider, which allows them to provide you with the most affordable insurance offers if you are involved in water sports of various degrees of risk, including:
  • Diving, including scuba diving and free diving
  • Surfing
  • Skimboarding
  • Snorkeling
  • SUPing or stand up paddleboarding
  • Kayaking
  • Canoeing
  • Rafting
  • Waterskiing
  • Sailing
  • Rowing
  • Kite surfing
  • Windsurfing
  • Flyboard Flying
  • Spinnaker Flying
  • Jet Surfing
  • Wakeboarding
  • and many others
Similarly to other adrenaline sports, water sports life insurance is usually available at standard rates if practiced at an amateur level or recreationally. If practiced at a more serious or professional level, life insurance for water sports may be more challenging to obtain with no or a minimal increase in premium due to the increased risks relating to the water sport activity in question. Professional water sports participants would often find that they need to apply to a specialist insurance provider because of the risks involved.
The cost of life insurance is going to vary with the specific type of activities undertaken as a water sport. For example, lake swimming will be seen as lower risk than deep scuba diving. This will require additional underwriting from an insurer resulting in higher insurance premiums. Mainstream insurers' premiums are likely to be higher or they may sometimes even exclude your water sports activities from standard life insurance cover. If you let a specialist like WeCovr assist you. we work with experts who specialise in higher risk pursuits and professions and we will aim for your water activities to be included as part of your policy with affordable premiums.

Water Sports Life Insurance - questions you may be asked

Underwriters covering people practicing water sports such as surfing, waterskiing, scuba cave or deep-sea diving with life insurance, critical illness cover and income protection will normally want to understand at what level you practice these sports along with the time spent on them. They need this to provide you with an accurate and affordable water sports insurance premium. Specifically, water sports life insurance premiums depend on a number of parameters such as:
  • Type of water sports that you practice
  • How frequently do you practice the sport?
  • What level of activity do you practice it at - ranging from amateur to pro level
  • If you practice diving, amongst others, what depth, durations and locations do you dive in?
  • Equipment or apparatus employed
  • If you hold any professional qualifications in the sports you take part in?
Sometimes, people taking part in water sports struggle to find affordable life insurance and other related covers, yet this protection is an important tool they need to have for their families and their own financial well-being. That's why WeCovr's experts are passionate about helping people participating in water sports to secure a great affordable life insurance, critical illness cover and income protection.

Water sports Income protection

WeCovr's experts can provide not only competitive life insurance and critical illness, but also income protection cover quotes for water sports participants. If you are unable to work due to illness or injury, by having income protection cover you will be paid a regular income. Typically, the policy will pay out after a pre-agreed period which can vary from one month to one year after you make a claim.
As with life insurance cover, the riskier your activity, the higher the perceived risk; if you are practicing more dangerious water sports, your income protection cover premiums are likely to be higher than for less riskier activities due to the additional underwriting required by the insurer. Income protection for water sports at more extreme activities may include an exclusion for any illness or injury resulting from that sport. The common questions asked to provide you with a quote are similar to the ones above for life insurance quote above.

Water sports critical illness cover

Critical illness cover's purpose is to pay out a lump sum if you have to go through a medical procedure or are diagnosed with a critical illness and survive at least ten days from diagnosis. The lump sum amount is to assist dependents financially while letting you concentrate on your diagnosis and recovery without having to worry about finances. water sports critical illness cover is usually approved without exclusions and at standard rates for recreational level sports participants. If practiced at an extreme or competitive level, you may encounter an exclusion on your critical illness cover policy for that activity.
The list of illnesses that are part of critical illness cover may include, but are not limited to some of the following:
  • Alzheimer’s disease
  • Blindness
  • Multiple Sclerosis
  • Some types of cancer
  • Heart attack
  • Stroke
  • Loss of a limb
  • Motor neurone disease
  • Parkinson’s disease
  • Traumatic brain injury
  • Liver or kidney failure
To offer you best value-for-money insurance plans, WeCovr's insurance partners will need to ask several questions, including:
  • How long do you want your policy to last?
  • Do you want level or decreasing cover?
  • Do you want to add a terminal benefit to your critical illness cover?
Water sports activities are a great fun, but can also be risky which may lead to higher insurance premiums. Be smart, don't delay getting insured any longer - get a free, no-obligation quote today for your water sports life insurance, income protection and/or critical illness cover – protect yourself and your family. It's important for everyone and especially people involved in any water sports activities!

Benefits offered by life insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
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No one knows when exactly they need life insurance, and when they do, it might be too late

As with other financial decisions in life, it pays to start early. Speaking to award-winning FCA-authorised advisers is one of the best steps you can take to secure a great insurance plan for your family with minimal hassle

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our award-winning FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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What do I need to get a life insurance quote?

To get a life insurance quote, you’ll just need to tell us:

  • your name
  • date of birth
  • whether you are a smoker or use nicotine substitutes
  • who do you want to protect
  • and your preferred contact details

The options our advisers provide will also address extras you might want to consider, such as critical illness or income protection cover

It's as easy as 1, 2, 3!

1. Fill out a quick form


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2. Receive a call


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3. Get Protected!


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Get free advice about the best life insurance for you

We work with only FCA-authorised and even award-winning insurance brokers, who will only recommend products that are suitable for you. They search the whole market, including large well-known brands and smaller insurance providers, so you can get the best coverage at the right price.

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Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly award-winning partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind! Just tap or click the button below to book your FREE consultation now! 👇

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