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Hi harry,
I used to race Downhill mountain bike at national level. I did have insurance but after destroying my foot, i couldn't work for 2 months, i had a lot of upset customers and it cost me a great del of money. I have seen insurance that will cover you for such things i will have a look who i used when racing abroad. I to am thinking of staring racing again. iImiss the buzz, i love my job, i just need that scared feeling again.
Rob
I do alot of off road mountain biking as well - though no where near as much as I used to - Ive had the odd day off due to coming off / hitting trees (my special ability is aerial tree collision)... To be fair I see it as my personal time, fun time etc and have never really made contingency for sick time as a result of it.
The main change I suppose is I try to avoid jumping and riding up rough ground in pouring rain.... Im more fair weather now.
That said I am a bit of a risk junky so something to think on their!
same used to do downhill in sheffield and stopped as i had a bad crash away off work for a week i wouldnt jeopadise my career again guess its part of growing up. i know do off roading and quadding soon thats good fun.
Don't know if it falls into 'extreme sports' exactly but I am a keen amateur horse rider. There have been and doubtless always will be thrills and spills along the way - its just accepted as part of it.
Horses in general are relatively dangerous, add in showjumping and grid work the potential danger is multiplied. However you cannot 'think fear' when riding as this can transmit to the horse and make them less confident and then very, very odd things start happening.
It's my 'time off', in common with lots of hobbies, it is quite expensive (and if certain plans come to fruition may become a LOT more expensive this year).
My contingency plan is/always has been staff - sadly no-one seems to want a job, despite so many locally moaning that there are none.
I hear the last part adam.
Looking for an employee is like searching for gold on the streets; 9 out of ten unemployed I find, have 0 desire to do any work, or any work that involves effort........ I think its the effort that scares most.
You can get personal accident cover, which usually covers for bodily injury sustained away from work that stops you from working for a period of time.
It'll normally have an excess waiting period of between 2-4weeks and will pay you anywhere between £100-300 per week for the period you're unable to work.
However, check exclusions because different policies will allow for different activities etc, i.e. some will say no sky diving etc!
another here the does downhill biking along side, dirt jumping and bmxing. I also do MMA consisting of muay thai, kickboxing, BJJ and wrestling. I have found the martial arts to be the more dangerous of the sports I do and I have taken sports insurance out incase I do badly injure myself tho I have this tendency to strap up and get on with things like now, minor broken wrist and doing my cs38 course.
Another mountain biker here! It does worry me hence i try to take it easy and am very gradual with my progression in the sport...no huge gap jumps or drops for me! Also i wear all the best protective gear when i ride as i really can't be doing with shelling out for insurance.