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Life Insurance

Life Insurance for miners should be available at standard terms with most insurance providers. If your work requires that you travel abroad then the insurer will want to know information such as the amount of time spent out of the country per year and the countries that you visit.

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Critical Illness Cover

Miners Critical Illness Cover should be available at normal terms with most insurers. The insurer that you approach will be interested in your regular working duties and if you are required to travel abroad as part of your occupation. It is likely that Total and Permanent Disability would not be available but this is a relatively small part of the contract compared to conditions such as cancer, heart attacks and strokes.

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Income Protection

Income Protection for miners will need to be placed with a specialist provider who may consider offering cover. When you apply for Income Protection you should aim to secure a policy that will pay a claim on an 'Own Occupation' definition. This will mean that you will be assessed on your ability to work as a miner and not a suited occupation. You will need to choose a deferment period for your policy which will dictate the amount of time that you must wait for a claim to pay; 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. Our financial advisers regularly help clients to determine the best policy options for their circumstances by reviewing employment benefits in place, savings that are available and the budget for cover.

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Occupations:

  • Driller
  • Pickman
  • Loader

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Miners extract mineral, sand, stone, coal and metals from the ground typically for industrial purposes. The occupation is considered to be hazardous due to the heightened danger that a person can find themselves in following an on-site accident. Whilst miners make health and safety a priority aspect of their role there is a potential that unpredictable factors may place them at added risk e.g. shaft instability, subsidence, gas pressure build-up.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research

  • None