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WINTER SPORTS<br>Life Insurance Experts

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We're RATED the UK's #1 Life Insurance EXPERTS for people with pre-existing medical conditions, dangerous jobs and extreme sports

Winter sports life insurance

Not only do we specialise in helping people who take part in winter sports to get life cover, but we are also hugely passionate about winter sports.

Protecting your family is one of the most important parts of being a parent and that’s why life insurance is so valuable. If you also take part in sports or activities that can be dangerous, like winter sports, then cover is even more important.

How are we winter sports experts?

Our senior team are all extremely keen and passionate winter sports enthusiasts, with a long and deep history in these types of sports.

We know more about the dangers of winter sports than most from many years of taking part in skiing, snowboarding, and winter mountaineering. Some of our experiences include:

  • Ski racing
  • Extreme skiing/snowboarding
  • Off-piste skiing/snowboarding
  • Ski touring
  • Ski seasons

Being in the mountains can be one of the most spiritual and rewarding experiences for us, and for our families.

However, the dangers of being in the mountains and taking part in winter sports activities is very apparent. The mountains are an unpredictable environment that can offer various dangers such as extreme weather conditions.

How popular is skiing in the UK?

It is well-known that there is very limited opportunity for us Brits to ski in the UK, apart from artificial slopes, indoor, and Scotland skiing.

Winter sports is still one of the most popular sports and pastimes, especially among certain groups and demographics.

Here are some of the statistics for skiing amongst people in the UK in 2021:

  • There are just over 40,000 searches including the word “skiing” every month
  • Tamworth Snowdome is the most popular skiing venue (23,700 searches per month)
  • Over half a million searches for “ski holiday” every year in the UK
  • France is the most popular destination for British winter sports holidaymakers

*Figures were provided by KWFinder and Google Trends

Why do I need life insurance for winter sports?

Life insurance is designed to give you peace of mind that your family is protected if anything should happen to us.

There are many reasons why you might want to consider taking out life insurance, especially if you take part in dangerous sports. Winter sports are not necessarily classed as a dangerous sport for life insurance, but it does have their risks.

You might be a recreational holiday skier with relatively low risks or you could be like us, and enjoy letting rip in the backcountry. Whichever applies to you, it’s always advisable to consider appropriate cover and especially if you’ve got kids.

Types of winter sports we cover

  • Skiing
  • Snowboarding
  • Winter mountaineering (ice climbing)
  • Ski touring
  • Cross country skiing
  • Walking
  • Off-piste skiing/snowboarding
  • Ski/snowboard racing
  • Paragliding

About iam|INSURED

We’re extremely proud to be rated the UK’s #1 life insurance expert for people who take part in dangerous activities. Our team of passionate experts provides thousands of customers FREE and FRIENDLY advice.

You can check our AMAZING customer reviews on Feefo below

CLICK HERE to view our customer reviews

Our life insurance partners

We also make sure that you’ve got the BEST chance to get the CHEAPEST premiums from our wide and varied panel of TOP insurers.

Getting the best cover to protect your family at the right price is our top priority.

About winter sports life insurance

Here are some of the most commonly asked questions and the most useful information to help you to make your mind up about life insurance for winter sports.

Does life insurance payout for winter sports?

Yes – if you die whilst taking part in a winter sports activity then your life insurance should pay out a cash lump sum to your family.

There are many different types of winter sports activities with a variety of risks and all depending on how serious you are about them. You should be covered for taking part in most of the different types of winter sports as long as you disclose details on your application.

Some winter sports can require additional questions and underwriting for life insurance depending on what your activity is.

Some of the most common reasons for taking out life insurance to protect your family are:

  • Pay off your mortgage (protect your home)
  • Clear debts
  • Provide for your family
  • Future rent payments
  • Cost of living
  • School fees
  • Funeral costs

You can take out life insurance for as long as you want and for whatever amount that you need to protect your family.

Will critical illness cover payout for winter sports?

There are a number of reasons why you might be able to claim on your critical illness policy because of participating in winter sports.

Some of the most common reasons for a claim on critical illness cover include:

  • Musculoskeletal damage
  • Cancer
  • Heart Attack
  • Stroke
  • Permanent disability
  • Brain injuries

There are several common risks relating to winter sports where you may find that your critical illness cover will be invaluable.

It’s important to be prepared for the future and to make sure that you’re covered for those things you can’t always control. Critical illness cover is specifically designed to do that exact thing and make sure that your family doesn’t suffer financially.

Can I get life insurance if I take part in winter sports?

Yes – you should definitely be able to get life cover if you take part in most types and levels of winter sports.

It’s important to get the right cover to protect your family and make sure that you disclose any information that you are asked to. Anyone that takes part in low risk activities such as recreational skiing or snowboarding won’t have any issues at all.

There are some other potential higher risk activities that you may be asked for more information about, such as:

  • Winter mountaineering (ice climbing)
  • Off-piste skiing or snowboarding
  • Ski touring
  • Heli-skiing or snowboarding

These should all still be easily coverable through the right insurers and you can save money by speaking to an expert.

How much is winter sports life insurance?

The cost of your monthly premiums should be no different for people who take part in most winter sports. Your premiums for life insurance are based on several normal elements, such as:

  • Your age
  • Smoker status
  • Amount of cover (£’s)
  • Term of policy (years)
  • Type of cover

Once you’ve established what cover you need to protect your family and what is affordable, you can then start to figure out which insurers are cheapest.

Here are just a few examples of our BEST life insurance rates for winter sports

Age of individualPremium

Note: examples above are based on £200,000 of level term life cover for a non-smoker over a 25-year term with no medical conditions.

Best life insurance companies for winter sports

There are lots of different insurance providers and most will provide cover for the majority of people who take part in winter sports.

Some of the TOP insurance companies that we use for winter sports life insurance are:

  • Vitality
  • Legal & General
  • Aviva
  • AIG
  • Zurich

Each insurer will offer different terms for life insurance for winter sports so it’s our job to find the BEST and CHEAPEST for you!

Need more help with winter sports life insurance

If you still need help or more information about winter sports insurance then you can call FREE on 0800 009 6559 or CLICK HERE.

Speak to one of our FRIENDLY experts today for FREE advice.

Useful resources for winter sports

Here are some of the most popular groups and organisations in the UK that offer guidance and support for winter sports enthusiasts.

Snowsports England

Team GB

Paralympics GB

British Mountaineering Council (BMC)

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