Types Of Insurance For Offshore Workers

99% of offshore occupations covered with no increased premiums

We Specialise In Providing Life, Critical Illness and Income Protection Insurance For Anyone Working In The Oil and Gas Industry

We understand that obtaining the cover you want can be difficult, as your job may be perceived by insurers as high-risk, which brings a whole load of barriers to obtaining life insurance, including: increasing the premiums to cover the risk factor that you bring, place exclusions to cover the risk, or decline your cover altogether. It can also be difficult understanding the different types of insurance available to you.

We can arrange life, critical illness & income protection Insurance if you are;


Self Employed

Limited Company Contractor

We can also arrange cover for your partner or spouse whether they are working or not.

Life Insurance isn’t as expensive as you think.....

£500,000 of level term life cover until the age of 65 for a 35-year-old non-smoker with guaranteed premiums is £28.24 per month.

A Fresh Approach

We understand this difficulty, however, we have specially trained advisers on-hand to understand the work you do and all the potential risks involved. Our extensive industry knowledge allows us to provide 99% of cover with no increased premiums, which makes us stand out from other insurers.

Why Get Advice?


Why is advice important?

Our specialist advisers know the market inside out. Your guarantee of value and quality.

How much cover do I need?

This will depend on you and your family. Talk to us and we’ll work out the right amount.

How long do I need cover for?

Cover should last as long as support is required. We’ll establish how long that is.

What cover is best for me?

During the ‘get to know you stage’ we’ll identify and advise you on the right cover at the best price.

We are the only RMT Union Approved Specialist in the whole of the UK with Award Winning advice.

Insurance for Offshore Workers

We understand that the work you do as an offshore worker is challenging and that on a day-to-day basis you are faced with potential risks. We also know that you have to make sacrifices for your job, whether that be personal or sacrifices for your family, which we understand can take its toll. Our approach is, why should you have to make sacrifices when it comes to obtaining life insurance that will cover you and your loved ones? Your job is hard enough as it is, being eligible for a life insurance policy shouldn’t be equally as difficult.

Insurance for Offshore Workers – 99% of Cover

As your job may be perceived as high risk by insurers, you can expect to see an increase in your premiums, exclusions to cover the risk or declined applications, but we believe that’s unfair. Here at C&D Specialist Insurance, we have a very different set of beliefs and we want to make things as easy as possible for you.

We take a fresh approach to insurance policies, and with our extensive industry knowledge, we are able to place 99% of life and critical illness cover for offshore workers, with no increased premiums. There are various different policies to consider; life insurance, critical illness and income protection, and we are here to help you decipher what is the best cover for you and your family.

Types of Insurance for Offshore Workers – Life Insurance

Life insurance for offshore workers ensures that the most important people in your life are protected should the unfortunate happen to you. Cover can be personalised for your family, ensuring that they will be looked after when you are no longer around to care for them. Life insurance for offshore workers can leave a long-standing legacy for you, so you can rest easy knowing that your family will be taken care of because of your generosity.

Life cover pays out a cash sum or income if you die. Policies are designed to help families cope with the financial pressure of losing the household’s main earner and there are many different varieties of life cover, to suit an array of individual needs.

Insurance for Offshore Workers – Term Assurance

We most often recommend Term Assurance which pays out on the death of the policyholder, for the period insured, which offers great value for money. You set the level of cover you need and for how long and if you die in that period, the policy will pay out. Many policies pay early if you find that you have under 12 months to live.

Review From: S Redman

Very professional and knowledgeable indeed and happy to help in any way, Keeping you up to date every step of the way I would recommend to anyone.

Review From : TG

Thanks again for your 1st class professionalism and advice on helping me select the right policy for my needs. I will certainly be recommending you and your services to my colleagues in the future!! TG

Review From : Steve Cargill

A few questions asked and my insurance was all sorted over the phone. C&D know our business and their own so there’s no time wasting in this process with daft questions and it can all be sorted very quickly.

Review From : Neil Webster

My life insurance was completed with the minimum of fuss, all questions answered with ease and cover in place within a few hours. A+++++

Types of Insurance for Offshore Workers – Critical Illness

Critical Illness Cover pays out a tax-free lump sum when you are diagnosed as being seriously ill, and it can protect you against a major health crisis. We can help you find a policy that provides you with the right cover for you, as not all critical illness policies for offshore workers are the same. Many people make the mistake of buying the cheapest cover to then find out that they can’t claim, but we will assist you in finding the cover that suits you and your needs best.

Critical Illness Cover for offshore workers pays out if you are diagnosed as having one of the illnesses specified in the policy. The cover can help with important things such as care costs, medical bills or even travelling abroad for treatment. It can also cover your financial commitments if you have a major crisis.

Income Protection Insurance for Offshore Workers

Income Protection insurance for offshore workers is the policy that every working person should consider. We class it as an essential cover you can buy, as it pays out if you fall sick, disabled or unemployed and there are short or long-term coverage options available.

Income Protection can cover up to 70% of your pre-tax pay if you are unable to work, making being unable to earn less of a worry when you know your wages are protected.

If your income is the one thing that pays for all your outgoings, Income Protection covers everything you pay for. The best policies provide a tax-free monthly amount until your retirement date.

Insurance for Offshore Workers – Why Choose Us

If you are paying out too much for your life insurance policy or you are struggling to obtain a life insurance policy altogether because of your high-risk career, then we have the solution for you. Here at C&D Specialists, we are market leaders in arranging specialist life insurance for offshore workers experiencing health issues. We are also the only RMT Union Approved Specialists in the whole of the UK with Award Winning advice, so you don’t just have to take our word for it.

Our highly skilled advisers have been trained to offer exceptional advice and guidance and possess specialised industry knowledge to ensure you get the right cover and don’t end up paying more than you have to.

We are trusted insurance brokers with over 25 years in the specialist insurance market, so you know you are in safe hands. We also aim to provide you and your loved ones with peace of mind as we have already provided £135 million worth of cover for our customers, so why not become one of them.

Our Step-by-Step Process


We get to know each other


We give our expert advice and recommendation


You tell us what you think


We take you through the process


All done! You're fully covered

Why We’re So Good At What We Do


Multi award winning specialists – we know our stuff and your industry.


Over 25 years of experience in the specialist insurance market

Peace Of Mind

Over £250 million of cover provided for our customers


The only RMT approved specialist broker in the whole of the UK

Award Winning Expert Advice

Speak with an Adviser who will answer any questions you have, and find the best cover for you.

Mon-Fri: 9am - 6pm