Rope Access Technician Life Insurance, Critical Illness Cover and Income Protection for IRATA Members
We are a leading expert for people with dangerous jobs or who take part in extreme sports to get insurance to protect their family and homes, such as Rope Access Technician life insurance, critical illness cover and income protection. If your job or your sport involves risks of accident or injury then you should be considering some financial protection for your loved ones should anything happen to you or your partner. Insurance underwriting for dangerous occupations such as Rope Access Technician insurance, critical illness cover and income protection can vary dramatically from one insurer to another and also depending on the amount and type of cover you are looking for.
Here are some of the main activities for Rope Access Technician insurance, critical illness cover and income protection that would be considered to be higher or non-standard risk:
- Working at heights (over 40ft)
- Dangerous locations
- Hazardous environments
- Equipment or tools
- Any other health or medical risk factors
There are a number of potential areas of this type of role which may cause concern for underwriters and therefore you may find that your premiums can increase for Rope Access Technician insurance, critical illness cover and income protection depending on your circumstances.
Rope Access Technician life insurance
The main concern for insurers when reviewing an application for Rope Access Technician life insurance is whether you work at heights and how often you work at heights. It is generally possible to get a policy to cover for Rope Access Technician insurance and generally your cover terms will be offered at the same rates as someone who does not have a hazardous occupation. In most cases you will be required to provide additional information about your job for underwriters to be able to accurately review your application for Rope Access Technician life insurance and provide the appropriate decisions.
The key considerations for Rope Access Technician life insurance for underwriters will be:
- What heights do you work at (under or over 40 feet)
- How regularly do you work at heights
- Do you work in dangerous locations (e.g. offshore, dangerous countries etc.)
- Does your job involve working with dangerous equipment
Some other key factors which would determine how much your Rope Access Technician insurance premiums will be are:
- Level of cover required (£’s)
- Time policy taken over (years)
- Type of insurance policy
For more help or advice to get your competitive quote for life insurance, critical illness cover or income protection then you should contact one of our team of experts on 0345 565 0935 today.
Other financial protection for rope access technician
Critical illness cover:
In general you should also have absolutely no issues in getting a Rope Access Technician critical illness cover policy to protect yourself in the event that you are diagnosed with a serious illness. Your premiums for a Rope Access Technician critical illness cover will also depend on the amount of time that you spend working at heights and whether you regularly work at heights over 40 feet. In a lot of cases you should be able to get a Rope Access Technician critical illness cover policy at the same price as someone who does not have any occupational risks.
In some cases where your work involves working at more extreme heights or is higher risk then you may find that your premiums can increase to reflect the additional risks involved. You may also find that your offer of Rope Access Technician critical illness cover could include an exclusion of Total and Permanent Disability from your plan.
You should also be able to get a policy in place to cover for Rope Access Technician income protection to provide you with financial support if you are unable to work due to accident, sickness or injury. There are a wide range of different types of policies with different types of definitions of cover so you should ensure that your potential Rope Access Technician income protection offers the cover that you need.
If you need more help or advice to get a competitive quote for Rope Access Technician insurance, critical illness cover and income protection then you should contact one of our team of experts on 0345 565 0935 today.Get a no-obligation quote
Frequently Asked Questions
Do I need specialist insurance for rope access?
Most contractors will not allow you onto any site as a rope access technician without life insurance. Due to being at heights, it is always important to seek specialist advice when looking for rope access technician life insurance, critical illness cover and income protection. As this kind of occupation comes with risks, policies are sometimes offered at a higher rate with increased premiums.
If I already have a rope access technician life insurance policy in place will I still be able to get another policy?
Even If you already have another policy in place elsewhere, please do not hesitate to get in touch with us here at Sports FS. We are always here to help, even if we can provide you with some peace of mind that your cover and rates are competitive with those of the products on the current market.
Where can I find the best rope access technician life insurance provider?
Here at Sports FS, we have many years of experience in helping those who take part in hazardous occupations find the right cover. We are always on hand to help, you will always be provided with your own expert adviser, who is there to talk you through all your options. Please feel free to call us to speak to one of your advisers for a free, no-obligation quote.