Family personal accident plan application

Please select one of the cover options below

A Family Personal Accident Plan can provide a financial benefit in the event of an accidental death, hospitalisation and certain types of injury to an insured person, which is the direct result of an accident and not caused by illness or disease. 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.

Are you eligible for cover?

You can get cover for you and your partner if you're both:
Aged between 18 – 84 years old inclusive, a resident in the UK, living at the same address.

Children are eligible for cover if they’re between 6 months – 23 years inclusive, provided they’re not married or in a civil partnership. Children must live with you or their other parent at a UK address.

Table of benefits

If multiple injuries are sustained during the same accident, the benefit for each loss will apply. Claim benefits will be paid as shown below. 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

  • One limb
  • Two limbs
  • Three limbs
  • Four limbs

Up to

  • £25,000
  • £50,000
  • £75,000
  • £100,000

Up to

  • £50,000
  • £100,000
  • £150,000
  • £200,000

Up to

  • £100,000
  • £200,000
  • £300,000
  • £400,000

Equal to adult benefit

Amputation or loss of use of an entire thumb, finger or toe

  • Thumb
  • Forefinger
  • Finger
  • Big toe
  • Other toe

Up to

  • £3,750
  • £3,750
  • £1,250
  • £3,750
  • £250

Up to

  • £7,500
  • £7,500
  • £2,500
  • £7,500
  • £500

Up to

  • £15,000
  • £15,000
  • £5,000
  • £15,000
  • £1,000

20% of adult benefit

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

  • In one eye
  • In both eyes

Up to

  • £25,000
  • £50,000

Up to

  • £50,000
  • £100,000

Up to

  • £75,000
  • £150,000

Equal to adult benefit

Loss of hearing

  • In one ear
  • In both ears

Up to

  • £5,000
  • £25,000

Up to

  • £10,000
  • £50,000

Up to

  • £20,000
  • £100,000

Equal to adult benefit

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)

  • 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

 

No cover for children

Dislocations – Limited to one per joint

  • 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

 

No cover for children

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.
Policy type Bronze cover Silver cover Gold cover
Adult only
Adult and children
Adult and partner
Family

Monthly premium inclusive of Insurance Premium Tax

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