Fisherman Life Insurance Cover

Commercial Fisherman life insurance, critical illness cover and income protection

If you have a hazardous or dangerous job then it is important to speak to an insurance expert like Sports Financial Services who understands and appreciates your needs to be able to get you the best cover at the lowest price. Fisherman life insurance, critical illness cover and income protection policies can often work in a similar way to Sailing as it will be based on your time at sea and the type of vessels that you work in. Most of the risks relating to Fisherman life insurance, critical illness cover and income protection will fall in to the following categories:

  • Working with dangerous or hazardous equipment
  • Travelling to hazardous locations
  • Work at sea/offshore

There is a strong possibility of being able to get Fisherman life insurance, critical illness cover and income protection cover at the same price as someone who does not have a dangerous occupation based on most providers underwriting. For anyone with a high risk occupation, it is important for you to strongly consider some cover to protect you, your family and your home in the event of illness, accident, sickness and worse.

If you need help or guidance to get the right cover for you and your family at the right price then you should contact one of our team of experts to find out more. Sports Financial Services specialises in helping people with non-standard insurance requirements to find the cover they need, including Fisherman life insurance, critical illness cover and income protection.

Types of Commercial Fishing jobs:

  • Boat or vessel Captain
  • First mate
  • Boatswain (Deckboss)
  • Deckhand
  • In-shore Fisherman

For more information about your job and Fisherman life insurance, critical illness cover and income protection speak to one of our experts today.

Fisherman life insurance

As with a lot of this type of occupation, it is often possible to get Fisherman life insurance at the same rates as someone who does not have a dangerous job. A lot of insurers will consider this type of role as a standard risk for life insurance as it does not have a big impact on mortality and the statistics for incidents are fairly positive. Most insurance underwriters will want to know about:

  • What type of vessel do you work on/with
  • How much time do you spend at sea
  • Which locations do you work in (e.g. British Isles, Europe or Worldwide)
  • What is your role in the Commercial Fishing industry

There are a number of standard factors which will also have an impact on how much you will pay for Fisherman life insurance, such as:

  • Amount of cover (£’s)
  • Term of plan (years)
  • Type of policy

If you need help with your quote for Fisherman life insurance then you should contact one of our team of experts on 0345 565 0935.

Fisherman critical illness cover

It is also possible to get a policy for Commercial Fisherman critical illness cover and often these policies will be accepted at the insurers normal rates which are the same as for someone who does not have a dangerous occupation. There are some potential areas which could potentially cause some additional requirements and result in your premiums being increased to reflect the level of risk, such as:

  • Large amounts of time spent offshore
  • Working on smaller vessels offshore

In some cases where the risks are considered to be higher for Fisherman critical illness cover you may find that your premiums could increase and you could have an occupational exclusion applied to your policy.

Fisherman income protection

As with most hazardous occupations, it can be difficult to Fisherman income protection due to the occupational risks relating to your role. It may be possible to get an income protection policy as a Fisherman at normal rates however this is only generally for lower risk types of commercial fishing such as working closer to shore.

For more specialist and offshore Fisherman income protection you may find that cover will only be available through a specialist insurer.

Commercial Fisherman life insurance, critical illness cover and income protection

If you need more help with your quote for Commercial Fisherman life insurance, critical illness cover and income protection then you should contact one of our insurance experts at Sports Financial Services today to find out more.

Contact us now for your life insurance quote or apply online

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