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.

For more information on specific health conditions, pastimes, occupations and countries please select here:


Hazardous Occupations

Hazardous occupations helicopter

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 Iraq Kurdistan

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

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Health Conditions

Health conditions couple

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 motorcross

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

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High risk life insurance

Life Insurance


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

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High risk critical illness cover

Critical Illness Cover


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

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High risk income protection

Income Protection


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

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Our Services

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

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 the Children's HIV Association as our latest charitable donation.

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

Our Recent Awards

See our About Us page for more.


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