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Truck and Lorry Drivers Life Insurance Cover 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023

life insurance for lorry drivers

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 quotes for years. Read on about how you can secure your family’s financial future.

Many people use life insurance cover for the following in the event of their passing:

  • Mortgage payments (to make sure your children remain in their family home)
  • Future family living expenditure (making sure possible lifestyle changes for your loved ones are covered)
  • Funeral costs (take care of this financial obligation, so your family don’t have to)
  • The cost of childcare. So your partner doesn’t need to cut back their working hours)
  • Providing an inheritance gift for your children

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truck drivers life insurance

Truck Driving from A Life Insurers Perspective

Being a truck driver can be an exhausting and, in certain circumstances, hazardous profession.

At Insurance Hero, we work with companies specialising in providing life insurance to higher-risk professions, including truck driving. Through our strong relationships with specialist underwriters, they can provide not only competitive quotes but policies closely aligning with your circumstances.

Truck Driving – A Varied Occupation

You may drive an HGV to and from a building site daily, which may be mundane and 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

Insurance Hero’s job is to understand the extent of your truck driving activities fully. The brokers will run you through a detailed fact-finding questionnaire to provide an accurate quote.

They pride themselves on understanding your circumstances and giving an accurate overview to Insurance Underwriters.

The aim is to implement a watertight policy that will pay out when you and your loved ones need it most.

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For truck drivers, the following questions might be asked:

  • 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 are 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
  • Mortgage
  • 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 if you cannot 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 you cannot meet if you are not working, 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 is associated 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 underwriters provide. With truck driving, there is sometimes 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 coverage, contact the team at Insurance Hero today. We will help you to get that policy to provide financial peace of mind should you be off work. Call 0203 129 88 66 today