Accidents happen and, even though no-one likes to think about them, it’s good to know you’re prepared for the unexpected. Personal Accident insurance is designed to protect you should you suffer an injury from an accident that leaves you unable to work.
You may worry about how you and your family would cope if you were to suffer a serious injury, such as in a car accident, keeping you in hospital for a prolonged period of time. Likewise, if you are a Tradesman and suffered an injury whilst working on site, this could leave you unable to work for several months.
With Personal Accident cover in place, you would receive a lump sum or weekly pay-outs to help offset any resulting loss in income and would therefore help to meet your financial commitments should the worst happen.
We are able to help tailor a policy to suit your specific needs. We would usually encourage 24 hour cover so that you would have protection during leisure time, not just whilst working. The most common forms of cover would include the following:
Other forms of cover are sometimes available in conjunction with a Personal Accident policy including hospitalisation benefits, medical expenses and funeral exenses. Sickness insurance can also be obtained in certain circumstances.