Commercial diver life insurance
Life insurance gives you peace of mind and means that your family are protected should the worst happen.
Jobs like commercial diving come with certain risks which mean that it’s important to have protection for your family. If anything happens to you either at work or out of work then life insurance gives your loved ones the financial security they need.
Average salary (UK): £19,968 to £45,500 (depending on experience)
There are four different types of commercial diving that are:
- SCUBA (Self-contained Underwater Breathing Apparatus) is where the diver would use air cylinders to dive up to a maximum depth of 40 metres. Most SCUBA divers are recreational, media, or emergency services.
- Surface supplied diving is a type of commercial diving where the air supply is provided through a hose. This type of diving would be used for in-shore diving up to 50-metre depths.
- Surface supplied top-up divers wear a hot water suit and use a wet bell in order to be able to dive for long periods, usually to 21 metres and often used in the offshore industry.
- Saturation diving (or closed bell diving)use a system called ‘mixed gas’ to enable them to dive to depths of over 100 metres.
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About commercial diving life insurance
Here are the answers to some of the most common questions that we get asked by our commercial diver customers.
Will I be covered for commercial diving on life insurance?
Yes – there are no exclusions with standard life cover so you should be able to claim if you die either during or outside of work.
Most people with certain occupations like commercial diving will want to make sure that their families have proper financial protection. A life insurance policy will pay out a cash lump sum to your loved ones if anything happens to you.
Some of the risks connected with commercial diving are:
- Poor visibility
- Physical injury
These risks can in extreme cases lead to fatalities but luckily the death rate is low at 3.4 to 4.2 per 100,000 divers.
It is important to make sure that your family has the best cover in place should anything happen to you.
Does critical illness cover payout for commercial divers?
There are some risks connected to commercial diving that can lead to a critical illness or permanent disability.
If you are concerned about the risks of serious illness from your job then it’s important to consider critical illness. Some of the most common illnesses that are linked to commercial diving are:
- Loss of limbs or permanent disability
- Loss of sight
- Hearing loss
- Cardiovascular risks
Your critical illness policy will pay out a cash lump sum if you’re diagnosed with a serious illness defined on your policy.
Can commercial divers get life insurance?
Yes – if you’re a professional commercial diver, then you should be able to get affordable life cover.
Most insurers will ask about your occupation when you apply for life insurance with them to assess risk. The questions that you might be asked would include:
- Does your job involve diving?
- Do you use experimental diving equipment at experimental depths?
- Is your job in dredging or salvage, saturation diving, ice fields, oil or gas rigs, cable or pipework
- What is the maximum depth you dive to (in metres)?
- Are you a sports diver, Army diver, Navy diver, Police Frogman, Instructor, or Rescue diver
You should be able to get life insurance from most of the standard insurers as a commercial diver, but there are some insurers that are better than others.
It is usually advisable to get advice from an expert or specialist if you have a higher risk occupation like this.
How much is life insurance for commercial divers?
Life insurance premiums are calculated based on several standard elements which include.
- Your age
- How much cover do you need (£’s)
- Length of your policy (years)
- Do you smoke
- Type of life insurance
Once you have established this information then you can try to find the best insurer for you and your job. Some insurers offer better rates than others for occupations like commercial divers.
Your insurer will want to know how often you dive, which type of diving you do and what depths you dive to. A specialist will be able to tell you which insurance provider is best for you based on these elements.
Best life insurance companies for commercial divers
There are plenty of options available to commercial divers and most insurers will offer cover for you.
Our life insurance experts will give you the best options that are available to you and make sure you get the best cover. You can also select which type of cover you need and some insurance terms might vary, such as critical illness cover and terminal illness options.
Some of the best life insurance companies for commercial divers are:
- Legal & General
- Scottish Widows
Our experts will tell you which insurance company is best for you and your job.
Can commercial divers get critical illness cover?
Yes – you should be able to get critical illness cover as a commercial diver in most circumstances.
The same criteria will apply to critical illness cover as with life insurance so you will go through the same application process. There are some additional points that might apply to this type of cover depending on your circumstances.
One of the main things to consider is whether you are offered a critical illness policy, do any exclusions apply.
You might be offered a critical illness cover policy that excludes commercial diving with some insurers. If you aren’t sure about what is best then it will be worth speaking to an expert who can help.
Critical illness cover provides you with a lump sum if you are diagnosed with a serious medical condition, such as:
- Heart attack
- Multiple sclerosis
- Organ transplant
- And more…
Here are some of the most useful articles linked to commercial diving and other useful resources.