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21 Nov 2024
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Regular quad bike users should consider life cover

Individuals whose work involves using all-terrain vehicles or quad bikes should consider covering themselves with life insurance or accident, sickness and unemployment cover to cater for any eventuality.

The need for this as well as wearing a protective helmet has been brought to light by a case involving the death of a farm worker, whose employer has been fined by the Health and Safety Executive (HSE).

Grant Shannon, who was 34, was killed in June 2007 when he was involved in a quad bike accident while working at Kelloe Mains Farm in Scotland, the owners of which were fined £6,650 this week.

With life cover in place, such an incident would result in any dependants of the deceased getting a lump sum, the amount of which would depend on the level of cover in place.

Mr Shannon had only started working at the farm three days before he died, which underscores the need for sector workers to consider cover.

"Less than 1.5 per cent of the working population is employed in agriculture yet the sector is responsible for between 15 per cent and 20 per cent of fatalities to workers in Great Britain each year," said HSE inspector Gillian McLean.

 

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Regular quad bike users should consider life cover - Life Insurance Advice