HGV Driver & Life Insurance
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HGV Driver & Life Insurance
As a Heavy Goods Vehicle (HGV) driver, you spend much of your day sitting, with the added task of occasionally lifting heavy items. Both of these activities can impact your health over time, which is something insurers may take into account.
To help us find the right life insurance for you, we’ll need to ask you a few key questions:
- What is your average annual mileage?
- Do you need to drive abroad for work?
- How much time do you spend overseas?
- How often do you move heavy loads during working hours?
Most HGV drivers in the UK shouldn’t face any major challenges in getting life insurance, and you’ll likely be able to get cover at standard terms.
Since HGV drivers often accumulate high mileage, one of the main factors insurers will look at is how many miles you drive each year, which can sometimes influence the terms of your policy.
Also, if your work takes you overseas, insurers will want to know how frequently you travel, the duration of your trips, and where you travel to. In some cases, travelling abroad for work may result in non-standard life insurance terms, which usually means that the insurer increases your premiums a bit.
Our advisers are here to help you find the right insurance provider to suit your needs and secure the best terms available.
HGV Driver & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
As an HGV Driver, you should be able to get critical illness cover at standard terms. However, similar to life insurance, if your job requires travel outside the UK, your premiums may be higher due to the nature of your work.
The reason for this is that sitting for long periods of time and not getting chance to move about much, can potentially lead to an increased risk of developing some of the claimable conditions for this type of insurance.
Our expert advisers are here to help you find the right critical illness policy that matches your specific job needs.
HGV Driver & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection is crucial for you and your job, as your ability to work depends on maintaining good health and being cleared to drive by the DVLA. Whether it’s a broken leg or arm, or experiencing a stroke or heart attack, there are many situations that can cause you need to take time away from work.
As an HGV driver, some insurers may offer better income protection options for your occupation than others. The choice of insurer can make a big difference to the price of your income protection so it’s essential to research the market for your cover.
Our advisers regularly recommend income protection and can help you find the best options available.
HGV Driver & Travel Insurance
We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that you get advice if you are regularly travelling outside of the UK for work. To find out more, please visit our travel page here.
Possible Risks
- Diabetes
- Fatigue
- Heart Disease
- High Blood Pressure
- Manual Handling
- Musculoskeletal
- Disorders
- Other road users
Occupational Duties
- Accurately logging delivery details
- Following traffic laws
- Maintaining a clean driving record
- Monitoring and adhering to scheduled delivery times
- Operating large goods vehicles
- Performing routine vehicle checks
- Planning delivery routes, schedules and rest breaks
- Safely loading and securing goods onto the vehicles
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Review by Stephen on 10th September 2024
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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