Life Insurance and riding a motorbike

[BakesBeans]

Hi All,

Has anyone got life insurance/critical illness?

As I'm starting a family, I went to get additional life insurance+critical illness and because I had to declare riding a bike (a specific question), suddenly the premium jumped 30%.

Previously I don't even remember being asked the question as the policy was taken out over 10 years ago. Although, I didn't ride a bike at that time.

Do others declare it?
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Current: Kawasaki ZX636
Previous Bike: Honda CBR600F ABS, Yamaha XJ6 F Diversion ABS, Honda VFR400 NC30

[iooi]

Was never asked when I took my critical ins out last year....

Life ins is provided as part of my job with no questions asked at all...
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Just because my bike was A DIVVY, does not mean i am......

[Riejufixing]

[Courier265]

I'm heavily insured, personal accident, sickness, loss of limb.

I've had the same for decades, more of less all the time I've been a
courier. I'm insured by CICA, they only cover high risk people like me.

[Freddyfruitba...]

[J4mes]

As above really. I was never asked when I took out my policy when my first daughter was born, but for fuck sake make sure you have the right cover. I did mine through a locally well respected IFA.

I was knocked off my bike in a head on 3 weeks ago, I spent 10 days in hospital and I'm going to be off work for 3 months.

I thought it would never happen to me, it has. So I'd want to know my wife and daughters would be financially stable should the outcome have been worse than it has.

[MarJay]

I took out a policy years ago, and they said there was only three things it did not cover:

Bone breakage if you have osteoporosis
If you die in a war zone
If you die as the pilot of a plane that crashed

If they ask tell them. If they don't ask... meh.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[Dr. DaveJPS]

I told them, didn't change the cost but did flag up I'm not covered if I'm "Racing" (as if, I'm far too slow!)
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"intelligent inattention is preferable to unintelligent tinkering"
www.davejps.com

[BakesBeans]

[Dr. DaveJPS]

[Jewlio Rides Again LLB]

Standard cover seems to exclude 'racing or timed events'.
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Mpd72: I can categorically say i’m Brighter than that, no matter how I come across on here.
HAHAHA HAHAHA Blew Chilly MyCrowSystems

[BakesBeans]

[Dr. DaveJPS]

Mine is with Aviva, if I remember correctly
____________________
"intelligent inattention is preferable to unintelligent tinkering"
www.davejps.com

[Freddyfruitba...]