Safe Not Sorry Sports Insurance For Peace Of Mind
Sports insurance is absolutely essential for anyone who is regularly involved in
sports whether they do so from an amateur standpoint or as a professional. Normal insurance, even health insurance, cannot cover a person against injuries, accidents and fatalities that occur during the commission of sports. A regular insurer may view sporting activities as nullifying the conditions of any existing policy even including life insurance policies, should the sport in question be particularly dangerous.Say, for example, that an individual is involved, in whatever capacity, in motor sports. Driving a car extremely fast around a track, or in open woodland, is hardly an activity without a present danger of death. Sports insurance can be codified to cover this: normal insurance wont. This means, of course, that a person who does race cars and who has a life insurance policy but not a sporting insurance policy, may well be putting their dependants future at stake. If a regular insurance company will not pay out, in the event of death caused during the commission of a hazardous sport, then the deceaseds family is going to have to fend for themselves.
One wouldnt buy a house and not insure it. So why take up amateur or professional sports, where there is a very real risk of injury and not get sports insurance? Professional sports people, or people who earn a partial income from a sporting activity, should be particularly careful about this. No sports person has ever completed a career without at least one lengthy injury. Injury, to a pro sports person, can be the same as being laid off for a factory worker. No job, no money, no way to support a family. Proper, professionally compiled sporting insurance will protect against this, offering income replacement and support during the whole length of an injury.
Without sports insurance, then, a competitor in, practitioner of or part time player of sports is placing anyone financially dependent on their earnings at risk. No-one else does this, in any walk of life and in a walk (or run) as notoriously hazardous as the professionally sporting one, there really is no excuse for not being properly covered. One can hardly imagine how one would feel if, in addition to the natural frustration one feels when side lined through injury, one has to watch earnings falling away to nothing where a proper sports insurance policy would have insured a continued stream of income.
Dont think it will never happen. It will. Prevent that strike by doing some homework and getting covered. Organisations like Lockton, a highly reputed UK sports insurer, can barter for extremely good premiums for even the most hazardous of sports. So, for a nominal monthly some, ones family is protected and, of course, should they be required, ones hospital bills are covered too. Theres a lot to be said for living the dangerous life of a professional sports person provided that person is sensible enough to recognise their risky existence and take out a proper sports insurance policy. Not doing so is just plain selfish.
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