Mechanic Life Insurance, critical illness cover and income protection
The Insurance Surgery is a leading insurance expert for people with dangerous occupations which includes Mechanics life insurance, critical illness cover or income protection. If you have a dangerous job including being a Mechanic, you could find it slightly more difficult to get a policy such as life insurance, critical illness cover or income protection. There are several potential issues when applying for Mechanic life insurance, critical illness cover or income protection due to the types of daily activities that you will be required to perform. When applying for a life insurance or income protection policy, you will be asked questions about your lifestyle, health and your occupation (especially high risk) so that underwriters can assess your own circumstances to understand levels of risk.
In this section of our Insurance Surgery website we explain how an application for Mechanic life insurance, critical illness cover or income protection will be viewed by insurance underwriters.
Risks for Mechanics when applying for life cover:Dangerous machinery
Working with hazardous materials
Risk of accident or injury
There are some jobs that will be classed as hazardous because of the types of daily or weekly duties that are carried out for this type of job which will include being a Mechanic. You may apply for Mechanic life insurance, critical illness cover and income protection with all insurers however the cover that you will be offered and the cost of cover might be different depending on your job as well as which provider you are apply to.
How Mechanic Life Insurance, critical illness cover and income protection works:
If you need to apply for Mechanic life insurance, critical illness cover or income protection then you should consider a number of elements which will be assessed by insurance underwriters, such as:
- Which Mechanics job you do
- What type of equipment you use
- Does your job involve offshore work
- Do you drive more than 25,000 miles per year for work
For help about what you need to think about when you apply for Mechanic life insurance, critical illness cover or income protection then you should call to speak to one of our team of specialist advisers on 0345 565 0935.
Mechanic Life Insurance
Most of enquiries for we process for Mechanic life insurance will be accepted with no need for further underwriting as they often are not considered to be higher risk from a life insurance underwriter. You may find that an application for Mechanic life insurance will be offered at standard rates so the same rates as someone with no health disclosures. You may also find that there are other potential underwriting issues when applying for Mechanic life insurance which can relate to your lifestyle, health or dangerous sport that you do which can play a part in your application process.
Premiums for Mechanic life insurance will also be based on:
- How much Mechanic life insurance you need and why
- What term of cover you want in years
- Which type of life insurance cover you need
Underwriting for Mechanic life insurance will be different from one insurer to another depending on who you apply to so it is important to speak to an expert like The Insurance Surgery.
Mechanic critical illness cover
You will also find that it is possible to get an extremely competitive rate for Mechanic critical illness cover depending on your circumstances and your situation. Regularly you should find that your rates will be the same as a standard cover application for critical illness cover as being a Mechanic should not be classed as a non-standard risk. The majority of insurers will offer terms for Mechanic critical illness cover so you should make sure that you get quotes from numerous providers to get the most competitive premiums and the most appropriate cover.
Mechanic income protection
It may be slightly in some cases more difficult to get cover for Mechanic income protection to protect your monthly income if you aren’t able to work because of long term illness or injury, whether at work or outside work. There are potential exclusions that may be applied to your cover depending which type of Mechanic work you do and which insurer you apply to.
If you need help or advice to get the best Mechanic life insurance, critical illness cover and income protection then you should speak to one of our team of experts on 0800 035 2829 today.
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