Personal cover, a question? For if the worst happens...
 

A very relavant post by guest1 (re: Biker Down RIP) set me thinking....

If the worst came to the worst and I was killed either on track or riding on the road, would my family be financially protected???

Having a young daughter now I think I need to look bit more into this, I have my own life cover but I serious doubt if it includes "dangerous activites" such as motorcycling and certainly not Trackdays.

I must admit to be being a little worried !

Frank

Highly likely your life cover would be OK for road riding, but they might considered Track Days as a 'Dangerous Activity' and as such wouldn't pay out - however much you tried to convince them it's less dangerous than the roads

I specifically mentioned riding bikes a few years back when I took out a policy and was told not to worry that it wouldn't invalidate the policy. Have to admit though, I haven't checked out the trackday side of it.

This may sound a bit odd, but I am not too fussed onthe financial side if I die as I knwo there is more than enough in my estate to sort everything out and make a few people better off.

What I do have is a critical illness and accident policy. This basically means that if I am crippled etc that there is money there to pay for a decent nursing provision so no one has to feel guilty about not wanting to look after me. I would never want someone to have to worry about my care if I became incapacitated.

It might sound a bit pessimistic, but I fully accept the dangers in my life and want to protect those close to me from having to deal with the fallout of my adrenalin habit.

just to let you know, a friend of mine has recently been told by his company!

that last year there were no fewer than 11 employees who were off work through motorcycle related injuries!

and he has been told that his company will not be renewing his contract of employment if he continues with Motor cross !~:)

does not quite sound legal somehow ???

iconic , not sure but i do know they are giving him some grief over it!!!!! ...mav

How big is the company?

Eleven employees..:D

This cropped up again recently when discussing winter riding....

Comments please ?