Motorsport – Motor Car, Go Kart, etc.

Life Insurance for Motorsport / Car / Cart Racing & Rallying


Taking part in Motorsport (& Racing) will impact on your life insurance cover and the consequences are commonly more than marginal.

Motorsport in all its forms also see much higher risks than many other sports.

Different mainstream insurers have developed different responses to covering many types of Motorsport.

If you have not been declined life insurance by the mainstream insurers, you might find cover with some mainstream insurers.

If you have been declined cover or not, then Pulse may well be able to help.

Factors affecting Life Insurance

Broadly speaking, the price and availability of life insurance cover for those involved in Motorsport will depend on a number of factors:-

  • the exact type of all racing / rallying you take part in and where you race
  • the level of sport you compete at
  • the vehicle/motorcycle you race
  • the frequency and nature and locations of your competitive activity and training
  • any unusual aspects of racing / sting / driving
  • your driving / accident / safety history
  • your age
  • your experience and the technical support / maintenance arrangements
  • and if you have any medical conditions

Depending on the above, there may be some or even significant additional loading to your life insurance premiums.

Pulse are specialists in finding cover for those participating in many forms of Motorsport; often where many insurers are declining to quote.

If you have any questions, please do not hesitate to call us on 01280-431280.

Make a Life Insurance Enquiry

If you need a specialist underwriter.

If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Motorsport activity, any other pursuits and any medical conditions and needs into account and finding Life Insurance cover, if it is available.

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote. Each enquiry is treated individually by our underwriters and not simply rejected or accepted by a computer-based system.

Your Health Background

It is often true that professional sport means competitors are very fit and healthy. However, there are many who compete whilst having a medical condition. It is possible your health may have as much or more impact on Life Insurance availability. You can begin by reviewing the dedicated details about many medical condition(s) on this website.

You can / should declare any medical conditions to us when you make an enquiry. Again, we have prepared specific questions for many conditions. If you are in perfect health, you will be asked to confirm this on your actual Life Insurance application.

Our Indication of Cover Availability and Cost

By providing all your details clearly and accurately, you allow our underwriter(s) to build an individual picture of you and your Motorsport.

We know that getting and early idea if you can be covered and what kind of premium costs is involved is important.

We usually give an indication of premium and cover availability within 5 days.

Our policyholders tell us it is important to learn the availability of cover and to get an idea of price quickly.

Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are good at helping people find the cover they need.

In most cases, we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.

Being Transparent

It is always important to declare your Motorsport and any medical conditions completely.

Your Personal & Medical Details

Everything you disclose about your Health and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Motorsport or any medical conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

If you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

Beyond Life Insurance

More Life Insurance

The reasons you may need life cover may be simple or complex, but having the right cover brings peace of mind for you and your family.

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