Truck driver life insurance, critical illness and income protection
The Insurance Surgery is a leading insurance expert for people with a dangerous occupation; including life insurance, critical illness cover and income protection. It is important to have insurance to protect you and your family, especially if you have a high-risk occupation, in case the unthinkable happens. We have a specialist team of advisors who will be happy to assist you to find the best possible deal for you, to protect you, and to save you money. Some insurers will be more suited to truck driver life insurance and therefore it is important that you make the best decision for you, with the help of our advisors. Anyone who applies for hazardous occupation insurance will undergo the same application process, which will ask about your occupation to determine how high-risk your occupation is.
Some of the main risks from an insurers point of view for truck driver life insurance, critical illness cover and income protection include:
- How long you drive for on a typical day
- Where you drive to
- If you drive to foreign countries
- Your daily role/duties
These circumstances will be considered when reviewing your application for truck driver life insurance, critical illness cover or income protection, to ensure that your policy is suitable for you. They will assess whether you will be classed as high-risk. There is a long list of dangerous occupations with different criteria for the different types of risks involved, therefore you should speak one of our trusted advisors to find out the best insurance for you.
Truck driver life insurance
Generally, there should be no issues getting truck driver life insurance. However, this all depends on the level of risk that your job entails; this will be reflected in your premiums as generally they will increase with the level of risk. It is usually unlikely that an application will be declined due to a high-risk truck driving occupation however other factors such as general health or existing conditions might impact the outcome.
Some of the key factors that will be assessed by underwriters when reviewing an application for truck driver life insurance are:
- How dangerous are your daily duties?
- Do you work with hazardous chemicals?
- Do you travel abroad for work? How often?
These factors will all affect your application and will be reflected in your premiums as a result; other factors that will affect your premiums include:
- How much cover you want (£’s)?
- How long you want the term to be (years)?
- What type of life insurance do you need (level, decreasing etc.)?
Truck driver critical illness cover
Similarly to truck driver life insurance, truck driver critical illness cover should be fairly easy to get. Often there will be no issues getting cover if your occupation is not extremely high-risk then you should be able to get cover. However, the more risk your job contains, the higher the premiums. There might be more detailed information required for your application if your work is high-risk, if you work with transporting of dangerous materials for example.
Truck driver income protection
Overall, you should be able to get income protection, and in most cases if you have a low-risk truck driving job then your premiums should be similar to standard cases. There may be some exceptions to this, for example if you have an extremely high-risk truck driver occupation, this may affect the premiums that you are offered; and in extremely rare cases your application may get rejected.
For more information or help with your application for truck driving life insurance, critical illness cover or income protection, then speak to one of our insurance specialists on 0800 083 2829.