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Car insurance for professional sports people

Get the right car insurance if you compete professionally

How insurers categorise sports people

If you describe your occupation as ‘sports man’ or ‘sports woman’ when you take out car insurance, your premiums will be expensive, regardless of your age, gender or income level.

Insurers are wary of offering cover to professional sports people, because if they’re in an accident the personal injury compensation could be very high.

David Beckham is a high-profile example of sports stars’ unfortunate driving reputation. Despite narrowly avoiding a speeding charge in September 2018, he was then caught using his phone behind the wheel just two months later

Does the type of sport matter?

Playing a team sport or individual sport makes a difference to the cost of your premium. If it’s an individual sport, it’s less likely you’ll have team-mates in your car so the risk of expensive injury pay-outs is reduced.

Sports person gender and car insurance

Insurers aren’t allowed to count gender as a risk factor anymore, so professional sports women won’t necessarily get cheaper car insurance than men.

There are still car insurance policies specifically targeted at women, but there’s nothing stopping a man from taking out the cover.

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How to get cheaper car insurance for sports people

Car insurance for sports professionals will always be high, as there’s a lot more at risk for insurers than if you had a standard job, but there are a few options that might get your premiums down:

Specialist insurers

Specialist insurers offer cover for sporting professionals which base quotes on the individual’s circumstances, rather than the sector.

ProSport Insurance Services, Adrian Flux and All Sport Insurance are a few companies who offer tailored policies for sports people.

Telematics for sports professionals

If you’re a safe driver, a telematics policy could suit you. This type of cover bases your premiums on how well or badly you drive your car.

The cheapest insurance doesn’t necessarily mean the best policy for you. Having the wrong insurance could cost you a lot unnecessarily.

Compare a range of traditional and telematics policies to find the cover that suits you best.