Personal accident insurance

Accidental death

What does this cover?

Claims against your business for:

• accidental death, of either you, a director or employee, if covered on the policy
• death resulting from an accidental bodily injury
• death occurring within 13 weeks of the accident date
• a maximum amount of £40,000

When would I need to make a claim?

• for example, you’re in a road traffic accident on the way to work and pass away a week later from your injuries

What isn’t covered?

• death of anyone aged under 16 or over 75 at the date of the accident

Permanent total disablement (PTD)

What does this cover?

• anyone covered on the policy who suffers a permanent total disablement
• accidental injury which entirely prevents you from working in your usual occupation for the rest of your life
• accidents resulting in quadriplegia, triplegia, hemiplegia, and paraplegia

**When would I need to make a claim? **

• for example, your business partner – who you’ve covered on the policy – is injured while playing rugby and permanently disabled

What isn’t covered?

• accidents where you or the insured person have taken drugs, unless according to the manufacturer’s instructions, or as prescribed by a doctor

Loss of limb(s)

What does this cover?

• physical severance or permanent loss of use of one or more limbs

When would I need to make a claim?

• for example, your employee – who you’ve covered on the policy – falls from a height while working on scaffolding, and loses the use of his right arm

What isn’t covered?

• airborne activities, other than flying as a fare-paying passenger on a commercial flight

Sight and hearing loss

What does this cover?

• sudden hearing loss in one or both ears
• permanent loss of sight or hearing, from the time the accident occurred

When would I need to make a claim?

• for example, you’re working on a building site and hear an extremely loud noise close-by, which results in sudden hearing loss

What isn’t covered?

• accidents involving drugs or drugs for the treatment of addiction
• gradual loss of sight or hearing, due to a long or short-term illness or condition

Bodily injury

What does this cover?

• loss of use of an entire shoulder, elbow, hip, knee, wrist, ankle or fingers and toes
• loss of entire spine (vertebral column), with no injury to the spinal cord
• permanent, total, and irrecoverable loss of use or severance

When would I need to make a claim?

• for example, a company director – who you’ve covered on the policy – falls down the office stairs, causing permanent damage to their right elbow

What isn’t covered?

• injuries sustained while directly involved in an unlawful act, or a deliberate or reckless exposure to danger (except when attempting to avoid serious harm)

Dislocation

What does this cover?

• displacement of one or more bones, at a joint which requires restoration by a doctor
• dislocation of the spine, hip, patella, knee, ankle, shoulder, elbow, fingers, thumbs, toes, and other joints

When would I need to make a claim?

• for example, your office manager – who you’ve covered on the policy – dislocates her shoulder while playing tennis

What isn’t covered?

• any dislocation caused by pregnancy or childbirth