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It's the help you need to pay your essential bills when you're unable to work. When you think of how much (OK, let's be honest - how little!) statutory sick pay (SSP) would come your way after a sports injury or any other kind of accident - no matter what your personal circumstances - it definitely makes sense to have some protection insurance in place, just in case.
Some insurers cover most sports, but not always high-risk sports such as rugby, horse racing, extreme sports or motorsports, while other insurers cover against accidents whilst taking part in any amateur sporting activity. But with our experience and contacts in the insurance industry, we're certain to find the right policy for you.
Yes, sports income protection insurance isn't just to help with income in the event of a sports injury - it's also a form of personal accident insurance, so you've got overall protection should any kind of accident or sports-related injury mean you're unable to work.
It will depend on your circumstances, but you can choose to add:
One of our knowledgeable advisers will help you by first discussing with you your existing circumstances, such as:
Once we have this information we will design a personalised package of benefits to ensure you are properly protected, especially whilst taking part in your sports. Our aim to protect you, your home, your family and your finances.
When considering what protection you need, much depends on the type of sport you take part in - if it's something that involves a lot of hard impacts resulting in a sports injury then we'd definitely recommend you take out fracture cover in addition to a sports accident insurance policy.
This is a policy that will provide you with a lump sum of up to £6,000 in the event of a specified fracture, whether it's a sports-related injury or an accident off the sports field.
We should mention that not all fracture cover insurers cover every sport, but we'll make sure you've got complete protection for every sport you take part in - either with combined sports loss of earnings and fracture cover on the same policy, or on two separate sports insurance policies.
Absolutely - we deal with companies whose insurance covers any accident whilst taking part in working at height, working with dangerous materials, working in dangerous environments or other kinds of dangerous activities - in fact covering any kind of professional risk, so we can provide you with financial protection if you're unable to work due to an injury at home, at work or at play.
Of course - we can arrange a policy that will pay out a regular guaranteed amount so you know you've got a predictable income while you're recovering from your sports injury.
That's not a question we can answer straight away - there are too many variables to take into account. So we'll talk about just two of them below:
Many insurers offer cover up to retirement age and beyond. However, the difference between short and long-term cover actually relates to the length of time any claim gets paid out for, AKA the "benefit period".
Short-term means payment would typically continue for one, two or five years, while long-term would go on for longer than that up to your chosen retirement age.
So the length of the benefit period will be reflected in the cost of your policy.
As a rule of thumb, the shorter the waiting time between an injury claim and the start of receiving your policy benefits, the higher your premium.
Typical waiting periods are one week, four weeks, eight weeks - or even longer after sickness or a sporting injury if you're receiving sick pay benefits. But it's possible to arrange benefit payouts as soon as any sick pay you've been receiving is reduced or stopped completely.
Other variables that can affect the cost of sports income protection insurance, include:
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Our access to the UK insurance market means we can find you the most suitable coverage at the best available price - and fast.
We've been doing this for more than twenty years, so we've got the knowledge and experience of how sports insurance companies operate. And should you ever need us you can rely on our excellent handling of any claims process.
Our team is ready to find the best sports income protection policy for you, just complete our online form now to get started...
Phoned up for a quote on competition insurance for motocross, delt with Clara, really good, friendly and helpful, and clear with everything, really good from start to finish. Really recommend
A very easy process made that way by the lovely young man Darren who dealt with me and explained everything and helped me get the cover for my grandson , thank you again , I will certainly be recommending
Very happy with the service from Quote Sports Insurance.
Clara dealt with me and was extremely helpful & knowledgeable.
Got me a great deal on an insurance policy much better than my previous one.
I would definitely recommend them.
Darren at Quote Sports insurance has been absolutely fantastic from day 1 to when I had to make a claim. After having a couple issues with a claim, Darren went above and beyond to ensure everything went as smooth as possible. If anyone’s looking for any sort of sports insurance/income protection give these guys a call first, you won’t need to make another call!
Clara was great and very helpful, she made getting insurance cover very easy and a blatant no-bainer.
She quoted me quickly and fairly for exactly what I was after,
I would definitely recommend her to anyone who is worried about loosing money from work due to an injury!
Fantastic service! Darren at Quote Sport Insurance was able to provide personal injury insurance that was able to cover both work and specific motorsport. Great communication throughout the process, highly recommend!
Really happy with the service from Quote Sports Insurance. Clara was great, really helpful from start to finish and sorted me a great policy that suits my needs. Great communication and friendly. Thanks!
Clara was very helpful and easy to deal with. Would definitely recommend using her for your insurance needs. Never needed to ask any questions because Clara already gave me all my answers!
Clara was fantastic in helping me find the best solution for my needs, very helpful and great customer service.
Darren sorted me out a bundle of different covers, he was so thorough and made everything clear to understand. I do grasstrack racing And need the comfort of knowing my bills will be paid if I had an accident. Really easy to talk to, it was basically a really good experience.
Really good costumer service big thumbs up for Jonathan for explaining every thing and finding me a good insurance deal really happy with the service highly recommend
I took some insurance out as I ride moto x and mtb hoping I would never need it but had a bad accident the process of claiming is very easy and had the money in my account in five days could not fault quote sports insurance 👍