Comments on: Life Insurance

By: Nicholas Harper

Nicholas Harper — Mon, 21 Oct 2019 19:25:50 +0000

Quick update, a friend of mine who is a advisor in this kind of thing can offer life insurance with critical illness and injury cover all for a very low fee. Mark Smith is his name and he works for IMA Financial 07500556513. Well worth giving him a ring.

By: Mark Hatt

Mark Hatt — Tue, 10 Sep 2019 16:53:43 +0000

I am not aware of any company refusing life cover.
We do find difficulty with EL and PL cover for our business from some brokers but get good service from Towergate

By: AJ Wheeler

AJ Wheeler — Tue, 10 Sep 2019 08:53:36 +0000

Hello Nick,

This company may have an insurance package which covers what you’re looking for https://www.caunceohara.co.uk/

I believe they are based in Manchester

Regards

AJ Wheeler

By: Nicholas Harper

Nicholas Harper — Tue, 10 Sep 2019 04:43:17 +0000

Thanks again everyone, the underwriters have confirmed in writing to me that they have to honour what happening at the time the policy is taken out ie, if no work is planned in that involved travel to risky locations then they have to honour the policy. Even if 6 months down the line I end up in West Africa or North Africa carrying out work that involves explosives in some description. They did say say that being a member of the institute was a plus.

Thanks once again!

Nick

By: Babes Feddon

Babes Feddon — Tue, 10 Sep 2019 03:40:55 +0000

There was once HMT who covered mine clearance etc, I think they are now”Bridges”, couldn’t tell how reliable etc…good luck and keep your head down

By: Raymond Ollier

Raymond Ollier — Mon, 09 Sep 2019 17:15:34 +0000

Hi Nick,

I wish there was a decent insurance company. I don’t trust PAX one bit heard too many bad stories of them not paying out and when they do it’s a small amount! Bellwood Prestbury do cover but very expensive for IEDD cover!
https://www.bellwoodprestbury.com/why-us/key-people/

By: Martin Worrall

Martin Worrall — Mon, 09 Sep 2019 13:53:23 +0000

Nick

Have a look at CURA – a specialist insurer for hazardous occupation personnel which doesn’t list explosives engineers specifically but does list Army EOD personnel and other occupations like Test pilots and deep sea divers.

By: Martin Worrall

Martin Worrall — Mon, 09 Sep 2019 13:37:53 +0000

Nick

As an Ammunition Technician, EOD/IEDD Operator and military parachutist I had PAX Family cover for over 30 years during my military career and any claim was processed and paid quickly – admittedly all accident or sporting injuries related.

RPAX now appears as XPAX but I can’t see any difference in cover but the premium over PAX is higher depending on the number of units required (15 units max).

I also had several Endowment & Whole Life insurance policies during the 1980/90/00s and being an Ammo Tech never caused any issues with any provider.

I have recently read some ‘old’ negative reports on PAX being slow to pay out/not paying out for injuries sustained during military operations in Afghanistan but the issue related to defining what constituted ‘permanent disability’.

Hope this helps.

By: Nicholas Harper

Nicholas Harper — Mon, 09 Sep 2019 13:12:12 +0000

Thank you everyone for your advice. Much appreciated.

By: Prof. Nick Barlow

Prof. Nick Barlow — Mon, 09 Sep 2019 12:31:07 +0000

You may like to make some enquiries with Torribles Insurance; they specialise in insurance for fireworks & pyrotechnics – not only displays but also personal sickness or injury associated with the industry.
http://www.torribles.co.uk/html/fire.html

By: J.R.Smith

J.R.Smith — Mon, 09 Sep 2019 12:21:09 +0000

I had to have life insurance when I got my mortgage. To be honest they were not interested in me being an explosive engineer, they were more concerned with my Wife’s family history of cancer.

By: Andy Gray

Andy Gray — Mon, 09 Sep 2019 12:05:15 +0000

Hi Nick,
My Life Insurance is through RPAX, not cheap but just kept it going (just to be safe, you know what insurance is like, if you haven’t had it for 6 months. They’re going to wriggle out any kind of payment)
Aye so, RPAX covered for skiing, water sports, land mines and IED’s. so imagine other explosive issues would be covered.
Give it a google, I can send you a link if you need

Cheers
Andy