What's Covered?
- Accidental injury.
- Accidental death.
- Permanent total disability.
- Quadriplegia.
- Paraplegia.
- Permanent loss of sight in one eye or both eyes.
- Permanent loss or use of one limb.
- Permanent loss of speech.
- Permanent loss of hearing in one or both ears.
Cover extensions
You can choose to extend your cover to include:
- Burns.
- Hospitalisation.
- Major fractures.
- Dislocation.
- Some of our insurers allow you to purchase business travel alongside your personal accident policy.
- Weekly benefits can be available for temporary, permanent or partial disablement.
The fixed amounts paid for specific injuries may differ by provider under your personal accident policy. An income protection policy pays a percentage of your income each month. Please check your policy documentation or speak to your adviser.
What is Not Covered by Personal Accident Insurance?
Public Liability
While personal accident insurance covers you against accidents and injuries at work, it doesn't cover other people. Public liability insurance covers you for any injury or damage to third parties.
Employers Liability Insurance
Personal injury cover doesn’t cover illness and injuries for your employees. Employers liability insurance is a legal requirement for anyone employing staff, including volunteers, and if you are a limited company.
Your Property and Equipment
You should consider tools and equipment cover for the cost of repair or replacement should you need to make a claim for loss or damage to your own property and equipment, as a result of your business activities or an accident.
Payment Protection Insurance
Payment protection insurance is not the same as personal accident insurance. This protection is there to cover your payments if you have an accident, become sick or unemployed.
