Truck Drivers

Request a Callback

By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.

Caring - Understanding - Reliable - Advice

Home » Truck Drivers

Life Insurance, Critical Illness Cover and Income Protection for Truck Drivers

Example Occupations: Lorry driver
Possible Risks: Deep vein thrombosis(DVT), safety equipment, cargo, high BMI, type 2 diabetes
Occupational Duties: Long haul journeys, loading and unloading cargo, security of cargo

Life Insurance

Life Insurance for truck drivers should be available at standard terms. If you travel regularly outside of the UK this will need to be assessed by the insurer as to whether they can offer standard terms. It will most likely be the destination that you travel to that could cause additional underwriting of your application, please visit our hazardous travel page to see if the country you visit is of a high risk.

Critical Illness Cover

Critical Illness Insurance for Lorry drivers will also generally be available at normal terms. Again, if you travel regularly outside of the UK it is possible that the insurer may assess your application more thoroughly depending upon your destination of travel.

Income Protection

Income Protection for truck drivers is available with a number of providers, but you need to ensure that your policy is written with an own occupation definition. This is only available with a few providers and own occupation is the best form of cover that you can have for Income Protection. Otherwise any claim that you make will be based upon your ability to do any job, and not just your current position as a truck driver, making it more difficult to claim on. The policy can be written with deferment periods of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. Our financial advisers can help you to determine which deferment period suits your circumstances best due to policy cost, your savings and employment benefits.

Summary Definition

Truck drivers transport cargo to specific destinations within the UK or further afield. Truck drivers are considered to be those individuals who drive vehicle classes C1, C1+E, C and C+E. There are strict regulations on the rest breaks and maximum driving times that truck drivers may take each day, for both their own health and the safety of other drivers on the road.

Occupations:

C1 Driver
C1+E Driver
C Driver
C+E Driver

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Very helpful, James worked hard to find the right cover for me and explore the detail with the underwriters."

"Couldn't rate more highly. I moved from another broker due to slow response speeds. Mark responded really quickly (sometimes from his holiday!)"

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."