The thrill of the ride, the challenge of the trail, the shared moments along the way… it’s easy to see why cycling can become more than just a hobby for those who love the sport.

But like any journey, it comes with risk.

In or out of the saddle, it pays to be prepared.

“Our 2025 disability claims data shows that it can happen to anyone, often when least expected.”

A fall, a collision, or even strain over time can lead to injuries that impact more than just your ride. It can affect your ability to earn an income. The reality is that disability risk extends far beyond cycling. “The risk of disability isn’t limited to time in the saddle,” says Arno Jansen Van Vuuren, Head of Product: Retail Marketing Life and Savings at Old Mutual. “Our 2025 disability claims data shows that it can happen to anyone, often when least expected.”

According to Old Mutual’s 2025 Claim Statistics*, Old Mutual paid a life-changing R320 million in disability claims to its customers. Notably, 24% of claims were due to musculoskeletal disorders – something cyclists may be particularly exposed to through repetitive motion, posture, impact, and injury.

That’s why being prepared matters.

Disability insurance helps protect your income if you’re unable to work, giving you the freedom to focus on recovery without the added stress of financial uncertainty. Just as every cyclist carefully chooses the right bike, equipment, and training plan for their unique journey, disability cover can be tailored to suit your needs, budget, and lifestyle. For avid cyclists, Disability Income Cover with a 7-day waiting period can offer valuable protection, specifically covering injury-related disabilities and impairments, including qualifying fractures. This means that if an accident sidelines you from work, you can concentrate on healing and preparing for your next ride, knowing your income is protected.

Some of the more important choices to understand are the differences between temporary and permanent disability cover, as well as the difference between cover that pays a monthly amount (income cover) and cover that pays a single amount (lump sum cover).

• Temporary disability cover: This type of cover is designed to provide financial support if you are unable to work for a short period due to an injury. It helps cover your day-to-day expenses during your recovery. This is particularly useful for cyclists who may need time off to heal from an injury but expect to return to life as usual eventually.
• Permanent disability cover: If a disability has long-lasting effects that prevent you from returning to work, permanent disability cover provides more comprehensive financial support. This type of policy is crucial for those who may have to live with a disability for life or require significant lifestyle adjustments, such as house or car modifications or specialised medical equipment like prosthetics.

Income cover vs. Lump sum cover

• Income cover: This option offers a steady monthly stream of tax-free income to help replace your earnings if you cannot work due to a disability. This will assist in ensuring you can continue meeting your financial obligations and maintaining your lifestyle.
• Lump sum cover: Alternatively, a lump sum payment provides a tax-free single amount payment that can be used to address significant financial needs. This might include paying off debts or making home modifications, for example. It is ideal for those who prefer to have a more substantial amount of money upfront to manage their financial future.

Because when life happens, having the right support in place can make all the difference.

That is why Old Mutual offers Disability insurance customised to your specific circumstances, helping you to protect yourself and your family against the financial impact of a disability.

Change starts with the right conversation.

Our expert financial advisers work closely with you to understand your needs and goals, helping you to select the most suitable cover for your situation.

Start the conversation today with a financial adviser and explore cover that fits your life — on and off the bike.

* Old Mutual Claim Stats 2025: www.omclaimstool.co.za

Old Mutual Life Assurance Company (SA) Limited is a licensed FSP and life insurer.

It is recommended that you consult with a licenced financial adviser to discuss your personal insurance needs and options. For more information and Ts & Cs, visit www.oldmutual.co.za/life-moments/

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