Can I secure life insurance if I do motorsports?

Yes, it’s possible to obtain life insurance if you’re involved in motorsport.

Life insurance tailored for motorsport enthusiasts does not exist; ‘motorsport life insurance’ is simply a term used when individuals involved in motorsport apply for life insurance coverage.

However, it’s important to note that in certain situations, it might be slightly pricier or present more difficulties compared to individuals who do not partake in high-risk activities.

This may depend on the type of motorsport you participate in and how frequently.

There are insurers that specialise in providing some form of cover to applicants who take part in high-risk activities, including motorsports. They may offer more tailored policies that better suit your needs.

Why not get in contact with Reassured today to compare life insurance quotes from a variety of leading UK insurers, as well as smaller specialist insurers?

Do motorsports participants need life insurance?

Yes, motorsports participants should consider securing life insurance.

Given the inherent risk involved in motorsports, having life insurance can provide financial safeguarding to loved ones and peace of mind if the worst were to happen.

Motorsport is fairly popular in the UK, with approximately 77,000 people participating in England in 2023[1].

While a popular pass time, it does come with some risks - highlighting the importance of having the right protection in place for you and your loved ones.

The circumstances of each person are different, which is why it's vital to explore the wide range of options available to find the perfect policy that fits your needs.

Reassured can compare personalised, fee free quotes from a variety of insurers.

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Calculate how much life insurance you may need by filling in the costs you’d like your policy to cover.


£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.



The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.



The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.



According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.



When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources:, &


2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.



If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.


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Do I need to tell my insurer I do motorsports?

Yes, it’s essential to disclose your participation in motorsports when applying for life insurance.

This is for several reasons. Firstly, so that insurers can accurately assess your personal circumstances and the risk that is associated.

If you don’t openly disclose any information that is required, this can result in your policy not being valid.

Failure to disclose your involvement in motorsports (or any other factor that can affect your premiums) can result in your policy being denied or cancelled by the insurer.

It’s also important to tell the insurer about your motorsports involvement so you can secure appropriate coverage.

You may be able to find a policy that suits your circumstances and lifestyle; your policy should accurately reflect your needs.

What will an insurer ask about motorsports?

When applying for life insurance, your insurance provider will inquire about several factors to assess the level of risk associated with insuring you and determine the cost of your monthly premium.

Insurers might ask questions such as:

  • What type of motorsport do you participate in?
  • What’s your background in the sport? (The number of years you’ve participated / relevant training or licences you’ve completed)
  • How frequently do you participate?
  • Do you compete competitively?
  • Have you had previous accidents or injuries related to your motorsports?
  • Do you travel often for motorsports?

These questions help insurers gain a better understanding of your motorsport activities and the level of risk that accompanies it.

Insurers will also enquire about factors such as:

Is motorsports considered high-risk for life insurance?

Yes, in most cases. Although, the outcome could vary based on the insurance policy and how often you participate in motorsport events.

In terms of life insurance, ‘high-risk’ refers to individuals who have a higher likelihood of putting your life at risk due to a variety of factors (e.g. poor health, dangerous occupations and hobbies). This can result in insurers charging higher premiums or in some cases, declining coverage.

Cars, motorcycles and boats are the primary types of motor sports vehicles utilized, each with its own level of risk involved.

Examples of types of motorsports:

  • Circuit racing
  • Off-road racing
  • Drag racing
  • Karting
  • Hill climbing
  • Sprints, time trials and time attack
  • Rallying

Since motorsport is considered a high-risk activity, insurers may charge higher premiums or refuse your application due to the increased risk.

If you have concerns about being denied life insurance and/or have previously been declined, Reassured provides a dedicated impaired risk team that specialises in assisting you with finding some form of cover.

The best life insurance for motorsports

Technically there’s no single best life insurance for those who participate in motorsport, it’s purely down to your personal circumstances, budget and what you’re looking to cover.

Unsure what policy is best for you?

Listed are four of the most popular options that may be suitable to someone who takes part in motorsports:

Level term life insurance

A popular policy most suitable for helping to protect a mortgage, debts and family living costs.

The term can last up to 40 years, paying out if you pass away during the term. The payout amount will remain the same throughout the entire policy.

Decreasing life insurance

This policy is often recommended to those with a repayment mortgage and covers a maximum of 40 years. It only pays out if you pass away during this time.

The payout amount decreases as the policy progresses, typically in line with a decreasing mortgage balance.

Whole of life insurance

A policy that lasts for your whole life with a guaranteed pay out.

Whilst this can be a more expensive option, it does offer a higher pay out than an over 50s policy (up to £1,000,0000).

Over 50s life insurance

If you’re a UK resident aged between 50 - 85, then over 50s life insurance could be an affordable option due to insurers not requiring any medical information or details of your dangerous hobbies or occupation.

It offers guaranteed acceptance if you’re within the eligible age range. This policy lasts for the rest of your life and the pay out could help towards your funeral costs.

Why not allow Reassured to guide you through the various life insurance options available, assisting you in finding the most suitable policy for your specific needs and preferences.

What are the benefits of life insurance for motorsports?

Motorsports can be considered a dangerous hobby, especially if you regularly travel or compete for it. Therefore, it’s important to have the peace of mind that your loved ones would be protected if the worst were to happen.

Having life insurance can help loved ones cover various costs such as:

  • Funeral costs (the average cost of a basic funeral in the UK is £4,141[2])
  • Family living costs
  • Mortgage / rent payments
  • Childcare costs
  • Household bills
  • An inheritance

Overall, it’s comforting to know your loved ones would be financially safeguarded in a time of need.

Other types of life insurance for motorsports

Income protection

A type of policy that can pay out up to 70% of your monthly income when you’re unable to work due to an illness or injury.

Participating in motorsports requires proper insurance coverage to safeguard your financial well-being in case of accidents or injuries, even though some insurers may not cover incidents related to motorsport.

Critical illness cover

A type of cover where a lump sum is provided if you’re diagnosed with a life changing illness (this will be subject to the insurers terms). This typically includes illnesses such as: cancer, a stroke or serious heart conditions.

Typically, this is added to a life insurance policy for an additional cost.

The tax-free pay out can help cover anything you need, whether that’s to help replace an income or cover medical costs.

Please note, some policies might include exclusions for injuries or illnesses resulting from motorsport activities.

Secure life insurance as a motorsport’s participant

Whilst nothing should stop you fulfilling your thrill-seeking hobbies / occupation, it’s also vital to not take risks when it comes to your family’s financial future.

The sooner you secure life insurance, the cheaper your policy will be, so why not begin your life insurance journey today?

Reassured can compare multiple personalised quotes from specialist insurers to major insurers, helping to find you our best deal.

We have more than 14 years of experience in securing life insurance for customers from all walks of life, ensuring financial protection for family members.

Why not get in touch today?




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