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Specialist Cover for High-Risk Sports and Hobbies

Get income protection cover even if you have been declined by high street insurers and set your mind at rest.

  • Peace of Mind

  • Build a policy based on YOUR needs

  • Choice from 100+ UK Insurers

  • Personal One to One service

If you’ve already been refused Income Protection because you’re a semi-pro athlete, mountain biker, horse rider, or you take part in contact sports, you’ll know how unfair it feels. You’re simply enjoying the sport or lifestyle that makes you who you are – yet insurers slap a “high risk” label on you and say no.

And the consequences can be serious.
A rejection doesn’t just hurt your confidence. It can leave you feeling vulnerable, worried that one accident could stop you working overnight, leaving your income, your home and the people you care about at risk.

But here’s the real problem. Most insurers rely on rigid, automated risk-rating systems. They don’t take time to understand your sport, your competition level, or how your income actually works. They just see risk – and decline.

That’s why even people with steady earnings, sponsorship support or consistent PAYE income get told they’re “too risky”, while others with far less stability are easily accepted.

And if you’ve been trying to apply to different insurers for a better outcome, the process has probably been confusing and exhausting. Different advisers telling you different things. Long forms. Baffling exclusions. High premiums that don’t actually give you the cover you thought you were buying.

No wonder so many people feel judged, misunderstood, and completely stuck.

That’s where we come in

At Zeo Protect, we have access to policies from over 100 UK insurers – including specialist providers who understand semi-pro sports, adventure hobbies and mixed income structures. We know how to tailor a policy around your training, earnings and risk profile.

We present your case rather than rely on rigid computer systems which may have already said no. That means your case is looked at by someone who actually understands how your sport works – not just what the risks are.

Because we’re a whole-of-market, mortgage and protection broker, we have access to a wide range of specialist providers who are happy to accept all different kinds of applications. From your first call to getting the right cover in place, you’ll get personal, one-to-one service. We’ll make the process as clear and efficient as possible.

With the right cover in place, you can train, compete and perform with confidence — knowing that if injury or illness sidelines you, your income, your home, and your family are protected.

Fill in our quick enquiry form and your specialist adviser will call you for a chat to find out about your sport, your income structure and your goals and then show you the best policies available to you.

Start My Protection Search
Or call us now on 01606 531 556

Why choose us?

Because we specialise in income protection for sports and hobbies, we can offer you all sorts of benefits you won’t find elsewhere

Income Protection For for High-Risk Sports and Hobbies

  • Whole of Market

    Because we know the market, we know who to approach and what providers will accept your sport. Even if mainstream providers have already said no.

  • Know and Understand You

    We build a policy based on your needs and wants, not a standard plan with confusing exclusions.

  • Source The Right Cover for You

    Because we can compare options across the entire market we can source cover at a lower, fairer rate.

  • Save You Time and Stress

    We know you don’t want to tell your story over and over again to a call centre. That’s why you have one point of contact, we deal with everything from research to conversations with underwriters and seeing your application through to acceptance.

How it works…

  • 1

    Get in Touch

    Complete our quick enquiry form and book a time for your first appointment call. Your adviser will call you and find out about your unique situation and what you want to achieve.

  • 2

    We find the right provider for you

    After your initial call we do the research from 1000’s deals to find the best policies for you. Your adviser will then talk you through the protection and everything that it entails.

  • 3

    We deal with the application

    Relax while we submit the application and documentation to the provider, keeping you updated every step of the way.

  • 4

    …your protection is offered!

    With the right Income Protection plan in place, you can enjoy your sport with confidence – knowing your income, your home, and your family are protected, whatever happens.