Life Insurance

Nick Harper a member of the Institute has asked the below question.

Are there any insurance companies that members use that will actually provide life insurance for explosive engineers?

13 answers

  1. Answered by Mike Sainsbury

    I recall getting cover for individual engineers through Chubb some years ago…….

    +0
    Votes
  2. Answered by Andy Gray

    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

    +0
    Votes
  3. Answered by J.R.Smith

    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.

    +0
    Votes
  4. Answered by Prof. Nick Barlow

    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

    +0
    Votes
  5. Answered by Nicholas Harper

    Thank you everyone for your advice. Much appreciated.

    +0
    Votes
  6. Answered by Martin Worrall

    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.

    +0
    Votes
  7. Answered by Martin Worrall

    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.

    +0
    Votes
  8. Answered by Babes Feddon

    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

    +0
    Votes
  9. Answered by Nicholas Harper

    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

    +0
    Votes
  10. Answered by AJ Wheeler

    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

    +0
    Votes
  11. Answered by Mark Hatt

    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

    +0
    Votes
  12. Answered by Nicholas Harper

    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.

    +0
    Votes

Leave a Reply

Your email address will not be published. Required fields are marked *

Ask a Question

Choose one or more categories.

Choose one or more Tags

    No tags

The opinions expressed on this site are the exclusive responsibility of the persons from whom they are expressed. The Institute accepts no liability for their accuracy or truthfulness.