Truck and Lorry Drivers Life Insurance Cover
Do you worry about what will happen to the financial security of your loved ones should something happen to you?
Insurance Hero has been providing truck drivers with life insurance and associated cover for years.
Read on about how we secure your family’s financial future.
Truck Driving from A Life Insurers Perspective
Being a truck driver can be an exhausting and in certain circumstances, a hazardous profession.
Here at Insurance Hero, we specialise in providing life insurance to higher risk professions, including truck driving. Through our strong relationships with specialist underwriters, we can provide not only competitive quotes but policies closely aligning to your circumstances.
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Truck Driving – A Varied Occupation
You may drive an HGV to and from a building site every day which may be mundane and actually low risk. On the other hand, you may transport hazardous materials over long distances in a remote environment.
One activity may result in life insurance being offered at standard terms. The other may result in loaded premiums to reflect the additional risk.
Underpinning truck driving risks are health implications. Traditionally known as a sedentary occupation, long term health can be affected by poor food choices and sitting down all day.
Insurance Hero – Understanding Your Truck Driving Activities
It is Insurance Hero’s job to understand the extent of your truck driving activities fully. We will run you through a detailed fact-finding questionnaire to provide an accurate quote.
All questions must have an honest reply. At Insurance Hero, we pride ourselves on really understanding your circumstances, giving an accurate overview to Insurance Underwriters.
We want to put in place a watertight policy that will pay out when you and your loved ones need it most.
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For truck drivers, we ask questions such as the following:
- Do you transport hazardous materials?
- Are your daily activities dangerous?
- Do you drive in hostile environments or dangerous locations?
- Do you drive to different countries?
- Do you drive long distances?
- How many hours a week driven?
- What is the average length of a driving session?
- Do you have any medical conditions caused by your driving?
How does Life Insurance work?
Life insurance cover explains itself through these simple steps:
- Contact a reputable life insurance broker
- Get a life policy quote
- Agree to pay a regular premium over a fixed term
- Designated beneficiaries receive a lump sum amount should you die
Who Should Get Life Insurance Cover?
Do you have dependents that would suffer financial hardship should you die prematurely, perhaps through an accident when driving your truck? If the answer is yes, consider life insurance cover.
Any of the following may cause economic hardship:
- Outstanding personal loans
- Credit card debt
- Equity release
- Hire purchase agreements
- Car loans
- High day to day living expenses
- School fees
- One income family
Associated Life Covers – What is Income Protection?
Income protection cover pays a regular salary should you be unable to work for a time. It might be the result of illness or an accident as a result of your truck driving activities. As with life cover, if you have financial commitments that you cannot meet if you are not working, then you should consider income protection cover.
In simple steps here is how income protection works:
- Get a quote from a specialist broker
- Agree to the terms of the policy and pay a regular premium
- Receive a replacement salary while you are unable to work
Understanding Critical Illness Cover
Due to a sedentary lifestyle association, including poor food choices and sitting down for a long time, truck driving associates with certain reoccurring types of illnesses.
Critical illness cover is provided by life insurance companies should you no longer be able to work. It provides a lump sum payout should you survive at least ten days from diagnosis of a critical illness or required emergency medical procedure.
At the outset of any policy, specific illnesses can include above the standard list provided by underwriters. With truck driving, there is a long history of disease due to a poor lifestyle associated with the industry.
Such diseases may include:
- Heart attack
- Cardiac arrest
- Liver failure
- Heart valve replacement or repair
- Pulmonary artery surgery
- Structural heart surgery
For more information on critical illness cover, contact the team at Insurance Hero today. We will help you to get that policy to provide the financial peace of mind should you be off work. Insurance Hero, your specialist truck driving insurer. Call 0203 129 88 66 today