Powered Water Sports

Life Insurance for Powered Water Sports


It is not usually difficult to obtain cover for the majority of powered water sports activities from mainstream insurers.

We have created a separate, specific information for those involved in unpowered Water Sports & Sailing

There are a small number of fatalities associated with powered water sports in the UK, although limited as percentage of the number of participants, the risks of collision, drowning and other accidents are nevertheless present.

Some forms of sailing / water sports do bring higher risk including:-

  • trans-ocean or sailing beyond inter-coastal waters
  • higher power vessels & record attempts
  • competitions & racing
  • etc.

But, even these types of powered water sport may not see all life insurers decline to offer cover. Availability may be affected if you are older or have health problems or if you engage in these activities professionally or semi-professionally.

When you may need Pulse Insurance

Pulse Insurance are specialists in finding cover when other insurers decline which may be because of:-

– hazardous sports & leisure pursuits

– serious medical conditions

– higher ages

– high risk occupation

– dangerous working or living location

– residency issues’

– the need for high sums insured or a more bespoke policy to support Inheritance Planning objectives

Sometimes insurers may decline to cover you for combination of reasons such as age, health and activity.

If you have been declined for whatever reason(s) as above and Pulse may be able to help. We can find often cover when others decline subject to a minimum sum insured of £25,000.

Pulse specialise in high risk and insuring the unusual.

If you have been declined cover for any or even several of the reasons above, please do not hesitate to contact us on 01280 841430 so we can discuss things and set about finding you the cover you need.

If you wish to enquire – you may download our dedicated form to initiate your enquiry, or complete the form below.

Make an enquiry