An ordinary policy may not match a sporting occupation
Occupation definitions, exclusions and the way income is earned can affect cover. We look at club sick pay, existing policies and personal commitments before discussing any referral needed. Career-ending injury and contract-loss insurance are specialist areas and should not be assumed to be included.
A review around your existing protection
We establish what you already have, what you want a policy to do and the premium you can maintain. Existing employer benefits and policy conditions should be checked before suggesting changes. Where specialist advice or a referral is needed, that route is explained before you proceed.
What to prepare
- Club and employer benefits
- Occupation and competition details
- Existing policy documents
- Personal income and financial commitments
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Cover depends on underwriting and policy terms. No specialist sporting injury or loss-of-contract cover is promised by this page.
Your questions, answered
What should an employed professional bring to the first conversation?
A useful outline includes basic pay, variable earnings, contract type, current commitments and the property budget. If pay is changing, explain why and when. Contracts and a history of bonuses or other earnings may help clarify the position, without assuming every element will be accepted.
Link to this answerCan you work around training, travel or a busy schedule?
Tell me the best contact method, time zone and any periods when you are unavailable. We can agree how to request information and provide updates. If an agent, accountant or other representative is involved, we first establish your permission and the limits of that contact.
Link to this answerHow do future career changes affect the discussion?
Plans to move employer, work abroad, change a contract or reduce working hours should be discussed early. The borrowing needs to fit the evidence and the longer-term plan. A particular profession or career profile does not guarantee a mortgage or a specific borrowing amount.
Link to this answerFurther reading: MoneyHelper: insurance. Content updated 17 September 2026. General information; availability depends on the individual case.