You will be covered for ANY sport you take part in, no matter how extreme.
*subject to policy
Income Protection - for your sport
24/7 cover
Cover at home, at work and whilst taking part in ANY sport or activity.
Income Protection - for your sport
Income of up to £20,833 per month
Up to £20,833* per month, to help with living expenses and household bills, if you can't work due to injury or illness.
* Maximum benefit is subject to policy and your income
Income Protection - for your sport
Day one cover available
Receive an income from the first day you are unable to work.
Income Protection - for your sport
Short and long term cover
Long term cover pays out until you return to work, or reach your retirement age.
Low cost short term cover pays your monthly benefit for a maximum of 1, 2 or 5 years.
Income Protection - for your sport
Up to £6,000 lump sums
Lump sums of up to £6,000 for fractures, ligament tears, tendon ruptures and dislocations.
Income Protection - for your sport
No proof of income needed
Self-employed? Unable to prove your income? Low and/or fluctuating profits? This type of policy ensures a high monthly benefit, irrespective of your income level. Subject to policy.
Income Protection - for your sport
Monthly Health Benefit
This can be paid from the first day off work due to any accident or sickness, providing an income to meet your financial commitments.
What is sports income protection insurance?
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.
Could you afford to pay your mortgage, rent and essential bills if you were unable to work due to a sports accident?
Does sports income protection insurance cover every kind of sport?
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.
Does sports income protection insurance also cover non-sporting accidents?
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.
Why choose us for Sports Injury Insurance?
Comprehensive panel of sports insurance companies
Choice of sports insurance products
Extreme sports insurance options
Free quote and sports insurance comparison service
Should I take out any additional cover when taking out sports income protection insurance?
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:
your sick-pay arrangements
current insurance arrangements (if any)
your living arrangements (mortgage, rent)
your essential bills (to ensure a policy will cover everything)
what sports you take part in
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.
What is Fracture Cover?
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.
Receive extra lump sum payments of up to £6,000 should you fracture a bone
If I've got a high-risk job will I still be covered?
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.
Will sports income protection insurance cover me if I'm self-employed?
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.
How much does sports income protection insurance cost?
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:
Short or LONG-TERM cover
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.
Waiting periods
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:
Sports Income Protection Frequently Asked Questions
Select for your answer.
How much will I get each month?
Can I claim ESA if I have sports income protection insurance?
Will my sports income protection insurance pay me on top of any sick pay?
What if I derive some or all of my income from sporting activities?
Can I get income protection for semi-professional sports?
Can I get income protection for professional sports?
How do I apply for cover?
How do we get you the best sports income protection policy?
What if I need to make a claim?
Why we're the UK's #1 in sports income protection insurance
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...
Most providers offer a maximum benefit of 65% of a policyholder's gross pay - anything up to £60,000 a year.
We'll always source and recommend the best options available to you, so your essential outgoings will be covered safely - and affordably.
Can I claim ESA if I have sports income protection insurance?
Yes, you'll still be eligible to claim for Employment Support Allowance if you have sports income protection insurance, but it could affect the amount you receive from some insurers.
Will my sports income protection insurance pay me on top of any sick pay?
Not all insurers offer policies that pay out while you're getting statutory sick pay, or even any other kind of income while you're unable to work, but we do work with many companies that offer payment in addition to SSP.
What if I derive some or all of my income from sporting activities?
We've got that covered! No matter how much or how little you earn from sporting activities, whether you're pro or semi-pro, we'll find you the most suitable and best value income protection insurance policy.
Can I get income protection for semi-professional sports?
Not all sports accident insurance providers cover semi-professional sports, whether they bring in a few extra pounds on top of a normal workplace salary or bring in substantial earnings on a part-time basis.
But if you're semi-pro, don't worry - we work with many companies that do offer that kind of cover, meaning we'll be able to find the right policy for you so you can play sport without worrying about loss of income.
Can I get income protection for professional sports?
Yes, you can - even though income protection insurance for professional sportspeople is a very small and specialised market for obvious reasons.
Again, we work with companies offering that kind of policy so there are many options open to you, including career-ending insurance cover which pays out an income, lump sum or the remainder of a professional contract.
How do I apply for cover?
It only takes you a minute to fill in the online application form.
One of our specialist insurance advisers will then call you to confirm your present circumstances and your future requirements.
How do we get you the best sports income protection policy?
Because we specialise in sports insurance, we know exactly how to navigate the complexities of comparing so many sports accident insurance policies offered by so many of the UK's leading insurance companies.
First, we get to know you - your lifestyle, your requirements, the injury risks you could face on the sports field and whether your employment could be deemed high risk. Then we'll discuss how much you'd need each month to get your bills paid and add a bit more on top in case of emergencies.
Once we've got that information we look for the most suitable policy or policies for you to choose from, and then come back to you with our recommendations. We'll help you make the right decision based on variables such as waiting periods, levels of benefit and - of course - your budget.
As soon as you've made your decision, we'll go straight back to your chosen insurers to get your application accepted so you're covered right away.
What if I need to make a claim?
Usually, once any kind of insurance policy is up and running, the contract specifies the claims process and payments are strictly between the claimant and the insurer.
But unlike so many other brokerages, once we've found you the most suitable insurance we're always here to help.
We can order a claim form for you from your insurer, and in many cases, we can help you complete it correctly to avoid any kind of problems later on.
