Personal Accident Cover

See sample Table of Benefits.

You choose the amount we will pay after an injury when you take out or amend the policy. We pay the amount selected.

We've also thought about the potential impacts of an injury and built in extra benefits to address them:

• Hospitalisation – we’ll pay £50 for each day that an injured person spends as an in-patient in hospital, for up to 365 days
• Unconsciousness – we’ll also pay £50 for each day a person remains unconscious after an injury, for up to 730 days
• Visiting costs – we’ll pay up to £2,500 towards the costs of transport to visit an injured person in a hospital that is more than 10 miles from where the injured person lives

Additional benefits for people with dependants
• If an insured person dies accidentally, we’ll increase the amount we pay by 5% for each of their dependant children – up to a maximum increase of 25% but with a minimum extra payment of £5,000 per child
• If the same accident kills a person and their partner and they have surviving dependants, we’ll double the amount we promised to pay

Please note, for a full description of the exclusions and cover limitations for personal accident cover, please read the policy document.

A health case manager is available to assess an injured person’s requirements and help manage their recovery.

We can sign-post treatment, advising how it can be accessed quickly and conveniently.

We’ll pay up to 5% of the promised amount for permanent disablement (up to a maximum of £10,000 in total) for in-home domestic and chauffeur services.

Please note, for a full description of the exclusions and cover limitations for personal accident cover, please read the policy document.

If an injured person is unable to drive or use public transport, but could work otherwise, we’ll pay for a chauffeur service to and from work (see Help people recover faster tab for the financial limit).

We will assess injured people who cannot continue in their previous role and where someone is permanently disabled or has lost a limb or an eye we’ll pay up to £15,000 towards the reasonable costs of re-training.

Please note, for a full description of the exclusions and cover limitations for personal accident cover, please read the policy document.