Personal Accident Insurance

What am I covered for if I take out this policy?: We will pay a lump sum if you are permanently disabled as the result of an accident. The policy covers loss of sight, loss of use of a limb or limbs, and permanent total disablement. You are not covered for disablement caused by illness, a medical condition or attempted suicide - only disablement caused by an accident.
What is 'permanent total disablement'?: We define this as being unable to follow any and every occupation. That means you would be unable to do your normal job or any other job. For a claim to be valid, the disablement must occur within 24 months of the accident. Unless there is a physical loss of limb or eye, the disablement must have lasted for at least 52 consecutive weeks before a claim is paid.
How much would I be covered for?: We can provide levels of cover up to a maximum of £100,000 per person and can increase your cover on request at any time. Check out the accidental disability insurance summary of cover for full details of the cover options and prices.
I'm already disabled. Can I have accidental disability cover?: Yes, although we can't change the policy to suit your particular needs (such as removing cover for loss of sight for someone who is already blind) - it would mean you taking the policy out as it stands knowing you couldn't benefit from all aspects of the cover.
When does the cover start?: Provided you have given us valid bank details from which we will be able to collect your premiums, your cover is in force from the next working day, following the submission of your application.
How long does accidental disability insurance run for? Can I cancel the policy?: The policy can run until the end of the month before your 81st birthday. You can cancel it at any time before then by contacting us and cancelling the Direct Debit at your bank.
My partner is younger than me. Will his/her cover have to end when I am 81?: Yes, when you reach 81 all cover under the policy ceases and we will write to tell you this. However, we will invite your partner to reinstate the policy in their own name if they want to.
Do I get any money back if I cancel the policy?: If your policy is cancelled within the first 14 days and a premium has been paid, this premium will be refunded to you. If you cancel the policy later on, there is no surrender value and no money is due to you as this insurance is a protection product and not an investment product.
When will I receive my free gift(s)?: Your policy documents and gift will be sent to you within 5 working days, after we receive your application.
Who will get the money if there is a claim?: The money would be paid to you however in the event of your death before payment is made, to the executor or administrator of your estate. You cannot name a beneficiary for accidental disability insurance.
Can the money be paid into a trust?: Under the terms of the policy the money would be paid to you, if you become disabled, or in the event of your death before payment is made, to the executor or administrator of your estate. If arrangements have been made to pay the proceeds into a trust, we will do our best to honour this, however our policy wording states we will not be bound by any trust, charge or transfer. At the time of a claim, we would rely on the advice of our lawyers as to whether we could comply with your wishes.
Can my partner/wife/husband be covered?: Yes, we can provide the same cover for your partner/wife/husband on the policy and the premium would then be doubled. You don't need to provide your partner's details, and provided they live a the same address as you and share financial responsibilities then they qualify for cover as your partner under the terms of the policy. We can check these things in the event of a claim if there is any doubt. Please note: same-sex partners can be covered but family members and business partners do not qualify as 'partners'.
Can my children be covered?: No. We have a special children's policy called Tots to Teens that provides accidental death, accidental disability and recuperation benefit. There is also free unlimited access to a helpline which offers confidential help and advice on all sorts of child related issues.
I can't pay by Direct Debit. Can I pay another way?: No. Unfortunately, we can only collect premiums for this sort of policy by monthly Direct Debit which is one of the reasons we are able to keep the premiums so low. We cannot accept payment by any other means. We can however accept a Direct Debit from a family member or friend and the policy will still be issued in your name. They need to call us on 0800 051 8998 to set up this Direct Debit. (For our joint protection, calls may be recorded and/or monitored.)