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Sports Income Protection Insurance guide 2024

An income protection insurance policy is a form of life insurance policy that will provide you with financial security for when you’re unable to work because of an accident or sickness.

People who take part in sports can be exposed to risks of injury or an accident more than those who are less active. Income protection insurance for sports will cover any loss of earnings and help to pay your bills while you are unable to work.

We understand this area because most of our guys take part in sports like mountaineering, skiing, snowboarding, motorcycle riding and other similar activities.

Surprisingly, cycling is statistically one of the most dangerous sports that you can take part in. According to figures released by the Accident & Emergency (A&E) departments there are 1 to 1.5 million admissions every year with sports related injuries.

Statistically, you are more likely to get seriously injured whilst taking part in sports.

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YES – there are very few sports that aren’t covered by or accepted for income protection insurance. Income protection is a great choice of sports accident insurance for anyone active person who takes part in sports as a hobby or career.

Most people who take part in certain sports don’t consider income protection sports insurance because they don’t think it will be covered. It’s not usually the case and most sports or dangerous activities will be included.

Some of the most common sports income protection claims are:

  • Broken limbs (e.g. arms, legs, wrists, ankles, etc.)
  • Back injury
  • Neck injuries
  • Musculoskeletal damage (other)
  • Head injuries
  • Serious burns
  • Loss of sight
  • Loss of hearing

Does income protection insurance pay out for sports

Most sports or activities and sports injuries will be covered by your income protection insurance policy.

If you are seriously injured from sports or if you need to take time off work from a sports accident, then you’ll be covered. A sports income protection insurance policy will pay out (usually for up to 12 to 24 months) until you are fit to return to work.

Some of the most common sports where people are injured:

  • Rugby
  • Football
  • Cycling
  • Motorcycling
  • Climbing
  • Mountaineering
  • Mountain biking
  • Running

Compare sports income protection insurance

There are several main types of income protection insurance policies that you can take out for yourself.

Sports income protection insurance is also very flexible so you can adapt your cover to suit your needs and budgets. It’s worth shopping around or speaking to an expert where you will be able to get advice on which policy is best for you.

Some of the main things to consider are:

  • Deferred period (how long before the policy will pay out)
  • Short term or long term cover
  • Age rated (lower premiums at the start)
  • Own occupation or any occupation

Each of these options will have some impact on your premiums so you can tailor your policy to fit your budget.

Can I get income protection insurance for sports?

It is usually pretty simple to get sports income protection insurance as long as you are not classed as professional (i.e. paid occupation). You should still be able to get cover for professional sports as well from certain providers or specialists. Professional sports life insurance is definitely worth looking into if you cannot access a standard income protection plan.

Most sports will be classed as lower risk unless there are very specific dangers, such as skydiving, base jumping, free climbing, or motorsports.

Policies can start from as little as £5 per month for sports income protection insurance depending on your situation.

Some of the main things that will have an impact on your premiums are:

  • Your age
  • Cover amount (monthly benefit)
  • Type of cover
  • Term of cover (years)
  • Smoker or non-smoker
  • Medical history

Best sports income protection insurance

One of the main advantages to choosing which type of income protection is best for you is the number of options that are available.

Some of the best options for income protection are:

  • Short-term income protection insurance is a lower cost option which pays out for up to 12 or 24 months from claim. This is possibly the most suitable cover type for sports because of how long recovery usually takes
  • Long-term income protection insurance will pay out up to the end of the policy term which means that you can claim for several years of absence usually. Premiums for this type of policy are usually higher because of the level of cover it offers
  • Guaranteed Sick Pay can be useful as it is usually cheaper than full income protection because it may exclude certain activities. This policy will often pay out for up to 6 months from the point that you make a claim
  • Personal accident insurance is usually the cheapest option but can also be the most useful, especially for people taking part in sports. Some of the main benefits of this cover is that it will pay out for hospital stays over 24 hours, injuries, and accidental death

Taking part in dangerous or extreme sports might have some affect on your income protection premiums. You might also find that for very high risk activities that there may be some exclusions on your cover.

You should definitely shop around to find which insurers offer the most comprehensive policy and cover.

There are experts like us that can help you to find the best cover based on your sport and your circumstances. Some of the key things to look out for when you apply for sports income protection insurance are:

  • Exclusions (are any activities or sports excluded)
  • Special conditions (does your cover have any special conditions)
  • Pay out periods (will it pay out for long enough for you)

Refused sports income protection insurance

You might have applied for cover in the past and already been declined or refused because of the sport that you do.

This is where a specialist like us can help because we have experience and 20 years of expertise in this area. Many of our customers have been refused cover in the past because of their sport, medical history, or occupation, yet we still manage to get them covered.

Some of the main reasons why people are refused cover:

  • Don’t get advice from a specialist
  • Apply to the wrong insurer
  • Not the right cover option for them
  • Disclose something extra on an application

Don’t worry if you’ve been refused cover in the past, contact the experts on 0800 009 6559 or CLICK HERE for help.

Pretty simple really, if you injure yourself and you can’t work then you’ll get paid out to cover bills and other expenses.

Most people don’t think about how they would pay their bills if they couldn’t work and that’s how you can very easily end up in problems. The financial impacts of not being able to afford to pay for your outgoings can be far reaching.

Some of the normal expenses that you can cover with sports income protection insurance:

  • Mortgage payments
  • Rent
  • Utilities (e.g. gas and electric)
  • Food bills
  • School fees
  • Other living expenses

There are some specialist products offering guaranteed income protection cover for most sports.

With this cover, you’ll be guaranteed to be able to get this type of cover regardless of the sport you do. One of the main things to remember with this type of cover is that it may exclude certain activities or sports.

How do I claim on income protection insurance for sports injuries

Making a claim on an income protection policy is often very simple and a lot easier than people think.

If you are unable to work for a period of time because of a sports injury, then you can submit your claim. The claims process is often quick and includes several simple steps.

  • Contact your insurance provider
  • Complete a claim form (usually online)
  • Submit medical evidence (if needed)
  • Submit financial evidence (if needed)

Medical conditions linked to sports

  • Head injuries
  • Musculoskeletal problems
  • Loss of limbs
  • Serious burns
  • Heart problems
  • Organ damage

We’re proud to be rated the UK’s #1 insurance experts for people with certain occupations, pre-existing medical conditions, and activities.

If you need help to get the BEST cover to protect you and your family as well as SAVE money then call 0800 009 6559 or CLICK HERE for free expert advice.

Useful resources

Below we have linked some resources for further information about the topics discussed in this page:

British Medical Journal (BMJ) – Review of sports injuries presenting to an accident and emergency department

InjuryLawyers4U – UK’s most dangerous sporting activities

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Is it worth having income protection insurance?

Income protection insurance can be extremely useful and very important for anyone who is unable to work due to sickness or an injury (e.g. from an accident, sports, work etc.). Essentially, income protection insurance pays out monthly to replace any lost earnings while you are unfit or unable to work.

Payments for income protection insurance can be used to pay your mortgage, rent, other credit commitments, food bills, utilities and other regular outgoings.

Common myths about income protection insurance:

  • Income Protection Insurance won’t pay out
  • Statutory Sick Pay (SSP) from the government will cover me
  • The cost of Income Protection Insurance is high
  • People with medical conditions can't have Income Protection Insurance
  • My employer will help support me
What does income protection insurance cover?

As a rule of thumb, income protection insurance will pay out a regular monthly tax-free payment to you if you can’t work and you are signed off by a doctor. You will need to provide supporting evidence from a medical professional such as your GP and proof of income from your employer or accountant.

Example: Sarah was involved in a car accident which resulted in a serious back and neck injury that prevented her from being able to drive for 6 months. She was able to claim on her income protection policy after 4 week for the remaining 5 months until she was able to move and drive again. She would also usually be able to claim for rehabilitation and physiotherapy to help her to return to work as planned.

Do I need income protection insurance for a mortgage?

Income protection insurance and mortgage life insurance are not compulsory for getting a mortgage in the United Kingdom. Some mortgage lenders might ask for you to get insurance as a condition of the mortgage offer in some circumstances but this is rare.

It is strongly recommended to have insurance to protect you and your family if you have a mortgage and other credit commitments. If you consider what the financial impact would be if you were unable to work due to accident, sickness or injury, and even if you were to die.

Most common mortgage protection insurance policies:

  • Buildings insurance
  • Mortgage life insurance
  • Income protection insurance
  • Critical illness insurance
  • Mortgage payment protection insurance (Accident, Sickness & Redundancy
Is income protection insurance tax free?

Payments from an income protection insurance claim are almost always tax-free, apart from some business income protection policies. This is because you pay tax on the premiums for personal income protection insurance at source (i.e. the premiums are paid from your net monthly salary).

The same applies to life insurance premiums and payouts, effectively you have already paid tax on the premiums that you have paid. There are some other possible tax implications that may apply in certain circumstances so you should seek proper advice or guidance if you have any specific questions.

Which is the best income protection insurance UK?

It’s very difficult to say overall which income protection insurance policies or providers are the best, simply because there are so many different options and types of cover. You can get income protection insurance from an even wider range of insurance providers than life insurance, so your choice is even greater.

The most common income protection insurance policy is:

  • Short term income protection insurance (24 months)
  • 4-week deferred period (pays out after 1 month of absence)
  • Guaranteed premiums (fixed premiums)
  • Underwritten income protection insurance

There are several other cover options for income protection insurance (e.g. long-term, age rated, reviewable premiums, guaranteed acceptance and 0 weeks to 12 months deferred periods).

The top 5 income protection insurance providers according to research by Defaqto are:

  1. Aviva (Trustpilot score: 4.0 out of 5.0)
  2. British Friendly Society (Trustpilot score: 4.1 out of 5.0)
  3. LV= (Trustpilot score: 4.5 out of 5.0)
  4. Royal London (Trustpilot score: 4.0 out of 5.0)
  5. Shepherds Friendly (Trustpilot score: 4.3 out of 5.0)
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