Understanding Sailing Life Insurance Cover In 2025

This guide provides an overview of life insurance and associated cover for sailing and yachting.

Read on, and we will explain how Insurance Hero can get a competitive quote tailored to your circumstances.

Benefits Of Our Sailing Life Insurance Plans

🌟 Enjoy Peace of Mind – Life insurance for sailing offers you and your loved ones financial security in case of an unexpected event. Sail with confidence, knowing that your family is protected.

💪 Flexible Coverage – Tailor your life insurance policy to suit your needs and budget, with options for various sailing activities, from coastal cruising to offshore racing.

⚓ Adventure Awaits – Don’t let fear of the unknown hold you back. Life insurance for sailing lets you explore new horizons without worrying about the financial consequences.

🏆 Stay Protected Onshore and Offshore – Life insurance policies can cover you both on land and at sea, ensuring comprehensive protection wherever your adventures take you.

🌍 Global Assistance – Many insurers offer worldwide support, so you can rely on professional help wherever your sailing journey takes you.

💷 Affordable Rates – Life insurance for sailing is more affordable than you might think. Protect your family’s future without breaking the bank.

📝 Easy Application Process – Our streamlined online application process means you can get your life insurance policy in place quickly, with minimal hassle.

❓ Addressing Concerns – Our team of experts is here to answer any questions and address any concerns about life insurance for sailing. We’re committed to helping you make an informed decision.

✅ Clear and Concise Communication – We use straightforward language and avoid jargon to ensure our clients understand their policy options and benefits. Trust us to make the process simple and easy to comprehend.

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What Is Life Insurance Cover?

Do you have family or dependents to support? If you die, would they face financial hardship? If the answer is yes, then consider life insurance cover.

Should you die, your loved ones will remain financially secure from a payout funded by paying regular premiums into a fixed-term policy agreed upon at the policy outset.

You will no longer have to worry, even when sailing, with the knowledge that your outstanding financial commitments are covered.

Such obligations include some of the following:

• Personal Loans
• Hire purchase agreements
• Mortgage
• Equity release loans
• Bridging loans
• Credit card debt
• School fees
• Bank overdrafts

Is Sailing Seen as A High-Risk Pursuit?

An underwriter will want to know about your sailing activities for life insurance purposes to ascertain whether an additional premium is required.

Underwriters will view transoceanic yachtsmen involved in the Vendee Global race differently from weekend sailors at a sailing school who stay inshore and never leave UK waters.

Competitive sailing may involve premium loading by underwriters due to the increased risk of death in heavy seas across vast oceans.

Leisure sailors sailing leisurely in UK waters are unlikely to see an increase in premiums above standard policy terms.

Why Use Insurance Hero?

Insurance Hero is a broker with a history of providing life insurance, critical illness and income protection cover to those involved in higher-risk pursuits, including sailing and yachting.

Insurance underwriters like to work with us due to our diligent customer take-on process.

In simple terms, we will gain a clear understanding of the extent of your yachting activities through a telephone question-and-answer session.

Our friendly but professional agents will conduct a detailed fact-finding of your circumstances. The information is then sent to our network of specialist underwriters.

They will use accurate profiling to create a quote closely aligned with your details.

Questions about your sailing activities may include:

• Do you sail professionally?
• Do you partake in transoceanic sailing?
• Do you compete in competitions and events?
• Is your sailing limited to UK waters?
• Are you sailing solo or as part of a group?
• How often do you sail?
• Do you sail more than three miles from the shore?
• What type of boat or yacht do you sail?
• What type of sailing are you involved in (racing, offshore, inshore)?

Our quotes are competitive. More importantly, by understanding your circumstances, rest assured you will have life cover relevant to your activities and will not be paying for sailing activities not undertaken.

Insurance Hero provides quotes for a wide range of higher-risk pursuits, including sailing and yachting life insurance cover. Contact our broker team now on 0203 129 88 66. Getting you the right insurance policy is our priority.

Associated Types of Life Cover

Life insurance cover is one of a trio of associated covers. All three offer something different, which may be more relevant to your circumstances.

Having already described life insurance cover, let’s examine the other two variants.

Income Protection Cover

Do you sail at weekends? Are you a professional yachtsman? Across the sailing spectrum, there is always an underlying risk of injury.

An injury may keep you out of your day job or professional yachting activities for a sustained period. Your employer may be unable to pay your salary if you are not working or will only cover a certain length of absence.

Income protection cover maintains your salary if you cannot work, providing comfort and allowing you to focus on your recovery without financial worry.

You should consider income protection in the following circumstances:

• You are the primary family breadwinner
• Your employer does not pay for extended absences from work
• You have outstanding financial commitments such as:
  • Personal Loans
  • Mortgage
  • Credit card debt
  • Equity release
  • Car loan
  • Hire purchase agreements

Average Monthly Life Insurance Premiums By Age

Critical Illness Cover Explained

Like the other two types of life cover, critical illness provides financial protection. A lump sum payout is payable if you are diagnosed with a qualifying disease and survive for at least ten days from diagnosis.

The illnesses will be on a list at the policy outset. Specific higher-risk pursuits and sports can be associated with certain diseases or injuries.

Yachtsmen, for example, are more susceptible to head injuries and broken or fractured limbs from unstable yacht decks.

For yachting, deciding on illnesses to cover at the outset of the policy is essential.

Standard coverage includes, but is not limited to, some of the following:

• Liver failure
• Multiple Sclerosis
• Major organ transplant
• Loss of a foot or a hand
• Severe lung disease
• Stroke
• Third-degree burns
• Traumatic brain injury
• Kidney failure
• Parkinson’s disease
• Blindness
• Coronary artery by-pass grafts
• Heart valve replacement or repair
• Alzheimer’s disease or pre-senile dementia
• Motor neurone disease
• Liver failure
• Structural heart surgery
• Devic’s disease
• Loss of speech

Critical illness also includes three separate types of cover. These are level cover, increasing cover and decreasing cover.

Level cover

The lump-sum cover amount is unchanged throughout the fixed term of the critical illness policy.

Increasing cover

Inflation impacts life insurance coverage and accounts for increasing life cover within a policy. The payout amount will increase in line with the Consumer Price Index (CPI). If CPI does not grow in one year, the payout amount will remain unchanged.

Decreasing cover

The payout amount decreases every month over the term of the policy. The payout is agreed upon at the outset to match your circumstances.

Insurance Hero is your first port of call for sailing and yachting life insurance and associated covers. Call our friendly team now on 0203 129 88 66 for a free, tailored quote. We are here to help. Your policy is our priority.

In conclusion

Life insurance for sailing offers invaluable protection for you and your loved ones as you embark on your nautical adventures.

With flexible coverage, affordable rates, and global assistance, securing your family’s financial future has never been easier.

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