What's excluded in a Personal Accident Policy?

Exclusions include:-

  • Illness or disease unless it’s as a direct result of an accident
  • Suicide and self-inflicted injuries
  • Reckless or dangerous behaviour.  Including being under the influence of drink or drugs.
  • Injuries caused by being a professional sportsperson

Refer to T&Cs for full list of exclusions.

Explore more frequently asked questions

Whether you want to change your details, make a claim or understand more about our products, you can find answers to FAQs by category.

Coronavirus updates, help and support

We're having to do a few things a little differently right now, here's all the latest information about our different policies, including COVID-19 specific frequently asked questions, and the best way to contact us.

FAQ search tool

Not found the answer you need yet? If you have a particular question, try our FAQ search tool.