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
|
Up to
|
Up to
|
Up to
|
Equal to adult benefit |
Amputation or loss of use of an entire thumb, finger or toe
|
Up to
|
Up to
|
Up to
|
20% of adult benefit |
|
Other permanent injury |
£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 |
Loss of hearing
|
Up to
|
Up to
|
Up to
|
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)
|
|
|
|
No cover for children |
Dislocations – Limited to one per joint
|
|
|
|
No cover for children |
|
Physiotherapy |
£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.