High Risk Insurance

Have you been refused Life Insurance, Critical Illness Cover or Income Protection? Are you concerned that you might struggle to get cover because of your health, occupation, pastimes or travel?

We understand how important insurance is and how difficult it can be to get the cover if you have pre-existing medical conditions, a hazardous occupation, take part in dangerous sports or frequently travel abroad.

The Special Risks Bureau was created to help everybody get the insurance that they need. We know you need the right cover at the best price and our commitment to you is to make sure you get it.


Life Insurance

High risk life insurance
  • Pays a lump sum in the event of death
  • Security for your family
  • Next to no exclusions for high risk insurance

Life Insurance is a protection policy that pays out a lump sum to your dependants in the event of your death or you becoming terminally ill. It is typically a low cost policy that offers important financial security to your loved ones.

This vital protection can be used for general family finances, mortgage repayment and funeral cover.

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Critical Illness Cover

High risk critical illness cover
  • Pays a lump sum in the event of a critical illness
  • Protect your mortgage
  • Tax free cover

Critical Illness Cover pays out a lump sum if you are diagnosed with a serious medical condition such as invasive cancer, a heart attack or a stroke. It is a popular type of cover that offers financial peace of mind should you be taken seriously ill.

This cover can be used for private healthcare, house modifications, general living expenses and/or mortgage repayment.

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Income Protection

High risk income protection
  • Tax free payout
  • Ensure mortgage, rent and bills are paid
  • Cover can see you paid until age 65-70

Income Protection Insurance pays a tax free monthly income until your selected retirement age, if you are unable to work due to a prolonged illness, injury and/or disability. It is a perfect way to extend or top up your current sick pay package up to your regular nett income, or provide cover if you do not get sick pay or are self employed.

Income Protection can provide the finances you need to pay for your regular food shop, utility bills and other essentials such as childcare payments.

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Guides & News More Insurance Guides

If you would like to read more helpful guides and news click here.

Our Services

What we can do for you:

  • Experienced, knowledgeable advisors
  • No fee, independent advice
  • We can assist with the paperwork
  • Personal insurance advisor for your policy
  • Free trust writing services

Latest Charity Work

Here at Special Risks Bureau we like to support charities that are close to both our own and our clients' hearts.

We are proud to support St Catherines Hospice as our latest charitable donation.

Please visit our How We Give Back page to see the charities that we have previously supported.

Hazardous Occupations

Hazardous occupations fireman

Do you have a hazardous occupation? For example a deep sea diver, offshore worker or are you part of the Armed Forces?

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Foreign Travel

Foreign travel Afghanistan

Do you frequently travel abroad or visit potentially dangerous countries such as Afghanistan or Iraq?

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Health Conditions

Health conditions diabetes

Have you suffered a serious medical condition such as Parkinson's disease, multiple sclerosis, diabetes or heart disease?

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Hazardous Pastimes

Hazardous pastimes paragliding

Do you partake in dangerous activities or hazardous pastimes such as motor sports, private aviation, diving or sailing?

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