Personal Accident Insurance
We offer Accidental Death and Personal Accident insurance policies that can be provided to customers alongside private motor or household insurance cover.
This product is available to insurance brokers and intermediaries only.
Provides a lump sum payment following accidental death or personal accident
Our household product provides a lump sum payment following the death of the policyholder, their spouse or a dependant, following a sudden and unforeseen incident that occurs in the policyholder’s home.
Our motor product provides a lump sum payment following death, disability or serious injury sustained by the policyholder or other individual who was riding in the policyholder’s vehicle, following a road traffic accident.
Insured events covered
Under the terms of the policy, a lump sum payment will be made to the affected party, in the following circumstances:
Household cover: accidental death or injury as a direct result of a sudden and unforeseen incident that occurs in the policyholder’s home.
Motor cover: accidental death or injury as a direct result of a road traffic accident.
The policy will provide cover for death that occurs within a 12-month period following an accident during the period of insurance, provided the death is directly and solely as a result of injuries sustained from that accident.
Policy cover can be provided for individuals up to 75 years of age, and shall automatically include dependants under 18 years of age (or 23 years of age if in full-time education) who live with the policyholder.
Limits of indemnity
Various limits of indemnity are available. A typical example is provided below:
- Accidental death up to £30,000
- Permanent total disability up to £30,000
- Loss of sight in one or both eye(s) up to £30,000
- Loss of one or more limb(s) up to £30,000
- Permanent total loss of speech up to £30,000
- Permanent total loss of hearing: in one ear up to £7,500, in both ears up to £30,000
As a provider of specialist insurance products and services for brokers, affinity groups, motor fleet providers, letting agents and insurers, we are renowned for our innovative and flexible approach in developing and administering bespoke schemes to meet the requirements of our partners. We pride ourselves on our ability to offer flexible solutions.
Our Home Emergency insurance products are designed to be provided to customers on an add-on or standalone basis.
Trading options can include:
- Online trading via our broker platform – HUB
- Delegated authority schemes
- Vantage – administered programmes