Personal Accident Insurance

About the Personal Accident Plan

This plan provides a range of fixed amounts for death, hospitalisation and a range of accidental injuries. The fixed amounts vary according to the type and severity of the accident and loss. For example, our standard Personal Accident Plan pays from £1,000 for the loss of a little toe, to £250,000 for an accident leaving you with permanent total disablement.

Facts you need to bear in mind

There are some situations that you are not covered for and some limitations on what will be paid out. This is a summary of the main exclusions and limitations of the policy.

You must be aged between 18 and 64 to take out this policy and reside in the UK for at least 7 months of the year.

Claims will not be paid if the accident or injury:

• is as a direct result of consumption of excessive alcohol or use of illegal drugs
• occurs while on duty as a member of  the Armed Forces
• occurs while pilots and cabin crew are flying as part of their job
• occurs while participating in certain dangerous pastimes such as rock climbing, parachuting or motor racing

Limitations to what might be paid out:

• the maximum amount that will be paid out in total on the policy 
• payment for serious disabilities, such as loss of the use of 2 limbs, total loss of sight and speech, is only payable once under the policy
• payment for less serious disabilities, such as loss of hearing in one ear and loss of the use of 1 limb, are payable more than once under the policy. This is limited  to the amount detailed on the schedule for adults and 10% of this amount for children
• payment for hospitalisation is not paid for the first three days. It is only paid after the fourth day of being in hospital
• where recurrent hospital stays are necessary for the same injury they must take place within 90 days of  the last day of your original stay  
• payment for hospitalisation outside of the UK will only be paid if the accident and hospital stay are in the same country
• if you are 65 or over, hospitalisation payments are half that shown on your Schedule of Benefits
• if you die within 90 days of an accident we will only pay the death and hospitalisation benefits due under the policy. You will not receive any payment for disability even if you suffered this following an accident
• if you have a pre-existing medical condition and an accident makes your condition worse, we will assess whether your condition was a factor when you make a claim. This may result in the amount paid being reduced proportionally
• not all countries are covered. We do not cover most countries that might be considered dangerous, such as Afghanistan, Iraq, Iran, Israel and others such as India, China and Russia

No payment will be made:

• if you are 65 and over or under age 16 and you suffer a Permanent Total Disability. A Permanent Total Disability means the inability to carry out any paid work at all for the rest of your life. 

Full details are detailed in the Certificate of Insurance which is available on request.