Underwriting is the process insurers go through when they assess your application for cover.

What information will insurers consider when they assess your application? 

There are several key factors that insurers will consider when they assess your application, such as: 

  • Medical history

  • Body Mass Index (BMI)
  • Occupation
  • Hobbies and pastimes
  • Past and future travel

When you go through your application, it's really important to be 100% open and honest with your answers to the insurers questions. 

What happens once I've submitted an application?

If you have certain medical or lifestyle disclosures the insurer might contact you directly for some additional information before the policy can start.

Sometimes the insurer will write out to your GP for additional information or may require you to attend a medical screening, before they can make a decision on your application. They will need your consent to arrange this.

This information all contributes to whether an insurer can cover you, and on what basis.

Once your application has been fully underwritten (i.e. once they have assessed all of the information needed), the insurer will write to you with the acceptance terms. They will let you know if your premium has increased or if there are any exclusions to be placed on your policy.

If you are happy with the terms that have been issued by the provider, you can start the policy if you wish to do so.

What makes an occupation dangerous, hobbies hazardous or your medical history significant?

In our experience, some of the most common causes for premiums to increase or terms to change are:

Medical conditions:

  • Heart attack/High blood pressure/Raised cholesterol
  • Diabetes (both Type 1 and Type 2)
  • Low or High Body Mass Index (BMI)
  • Anxiety/Stress/Depression
  • Asthma & Smoking


  • Working at heights of over 40 feet
  • Working with explosives
  • Working offshore
  • Working underground/underwater, mining or tunnelling
  • Machine/mechanical workers & those in construction
  • Working in the Armed Forces


  • Scuba diving
  • Motorcar & motorbike racing 
  • Flying (other than as a fare paying passenger)
  • Combat sports 
  • Base jumping, rock climbing etc. 

If any of these apply to you or If you're unsure about whether your medical history, occupation or hobbies will have an impact on your quotation please contact our advisers now:

01392 43 61 93 (Monday to Friday, 9am - 5.30pm)

What if my premiums increase, policy terms change or my application is declined? 

We can help...

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  • Call our advice team on 01392 436 193 and we can discuss your medical and lifestyle information with you. We provide bespoke advice to ensure you secure the most appropriate cover by researching the market and reviewing your situation with each insurer. You will not have to pay us any fee.
  • If you have applied online and already paid a fee, you can apply with a different insurer for no further fee.
  • If you have applied online and decide not to go ahead with the policy due to an increase in premium, but have already paid the fee, then we will be able to refund this to you.

To find out more about our advised team and the service they offer please click here.


Quote & apply with guidance

If you are generally in good health or have minor health issues, then one of our guidance team can help you decide what you need.

Contact the guidance team:

01392 24 18 50

(Monday to Friday, 9am to 6.30pm)

Request a callback






Quote & apply with advice

If you have any medical disclosures, a dangerous occupation or any dangerous hobbies then you should speak to our advised team.

Each insurer may approach certain disclosures differently, so one of our advisers can discuss your options with you accordingly and make recommendations tailored to your needs.

Contact the advised team:

01392 43 61 93

(Monday to Friday, 9am to 5:30pm)

Request a callback




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