Family Personal Accident Plan
Cover the unexpected
If you have a Family Personal Accident Plan with us, you’re in the right place to find information about your existing policy.
Full details of your cover are available in the policy documents sent to you.
This plan is not available to new customers.
Our plan
What's not covered
Take a look at our policy booklet for full details of what's not covered.
Read our Family Personal Accident Plan policy booklet (PDF 247 KB)
Important documents
If you already have a policy, please read the documents we sent to you.
How are benefits paid out?
The amount we’ll pay out for a successful claim depends on the level of cover you choose and the type of injury. Make sure you check the benefits of each cover to see which best fits your needs.
If multiple injuries are sustained during the same accident, the benefit for each loss will apply. Claim benefits will be paid as shown below.
Table of benefits
| Adult benefit | Child benefit | |||
|---|---|---|---|---|
| Bronze cover | Silver cover | Gold cover | ||
| Section A - Accidental Death | ||||
| Adult – Accidental Death | £12,500 | £25,000 | £50,000 | |
| Child – Accidental Death | £5,000 | £7,500 | £10,000 | |
| Section B – Permanent bodily injury | ||||
| Amputation or loss of use of a limb | Up to | Up to | Up to | Equal to adult benefit |
| • One limb • Two limbs • Three limbs • Four limbs | £25,000 £50,000 £75,000 £100,000 | £50,000 £100,000 £150,000 £200,000 | £100,000 £200,000 £300,000 £400,000 | |
| Amputation or loss of use of an entire thumb, finger or toe | Up to | Up to | Up to | 20% of adult benefit |
| • Thumb • Forefinger • Finger • Big toe • Other toe | £3,750 £3,750 £1,250 £3,750 £250 | £7,500 £7,500 £2,500 £7,500 £500 | £15,000 £15,000 £5,000 £15,000 £1,000 | |
| Other permanent injury Maximum age limit – state pension age | £25,000 | £50,000 | £100,000 | No cover for children |
| Section C – Sensory disability | ||||
| Loss of sight | Up to | Up to | Up to | Equal to adult benefit |
| • In one eye • In both eyes | £25,000 £50,000 | £50,000 £100,000 | £75,000 £150,000 | |
| Loss of hearing | Up to | Up to | Up to | Equal to adult benefit |
| • In one ear • In both ears | £5,000 £25,000 | £10,000 £50,000 | £20,000 £100,000 | |
| Loss of speech | £25,000 | £50,000 | £100,000 | Equal to adult benefit |
| Section D - Burns | ||||
| Full thickness (3rd degree) covering 9% or more of the body surface | £5,000 | £10,000 | £20,000 | Equal to adult benefit |
| Full thickness (3rd degree) covering less than 9% of the body surface | £500 | £1,000 | £2,000 | Equal to adult benefit |
| Section E – Breaks and Dislocations | ||||
| Broken bones (fractures) | No cover for children | |||
| • Skull, spine, sternum, pelvis, hip, leg or ankle • Collar bone, shoulder, arm, elbow or wrist • Thumb, fingers or toes • All other bones including hand, foot and rib cage | £375 £150 £100 £100 | £750 £375 £100 £100 | £1,500 £750 £100 £100 | |
| Dislocations – Limited to one per joint | No cover for children | |||
| • Hip • Knee • Wrist or elbow • Ankle, shoulder blade or collar bone • Thumb, finger, toe or jaw | £275 £175 £125 £100 £100 | £550 £350 £250 £150 £100 | £1,100 £700 £500 £200 £100 | |
| Physiotherapy Following a claim under section E | £60 per session Max 4 sessions | £60 per session Max 8 sessions | £60 per session Max 12 sessions | No cover for children |
| Section F – Hospitalisation | ||||
| For a hospital stay over 48 hours, we will pay for each 24 hours hospitalised following an accident up to a max of 100 days per person during the life of this policy | £50 per day | £50 per day | £50 per day | Equal to adult benefit |
Please note:
- For some sections, cover and benefits for children are reduced or do not apply. Claim limitations apply – please see our policy booklet for full details.
How to claim
Get your payment as quickly as possible.
Let us know
Call us on 0800 051 5175 to start the claim process.^ Lines are open Monday to Friday 9.00am – 5.00pm.
Expert review
Our team of experts will review the claim and be in contact if they need any more information.
Receive payment
We’ll pay the insured person directly, unless they’re under 16 in which case we’ll pay the parent or guardian on the policy.
Looking for something else?
We offer a range of personal accident cover.
Accidental Death Insurance
No one likes to think about it, and we hope it never happens, but there's always a chance that you may be involved in a fatal accident. It's important to plan for what happens next, our cover helps your partner or family with financial support.
Accidental Permanent Injury Insurance
Accidents can happen and sometimes their consequences can be serious. Our cover gives you financial support if you suffer a permanent injury because of an accident.
Hospital Cash Plan
Receive a fixed daily payment if you have to stay in hospital for treatment, and cover your partner and children too.
Contact us
Still need help? Give us a call
0800 051 8998
Monday to Friday: 9:00am - 5:00pm
Weekends and Bank Holidays: Closed
For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.