PERSONAL ACCIDENT PLAN

WHAT IS A PERSONAL ACCIDENT PLAN?

We all believe 'it will never happen to me!' but we are sure you are aware of someone who has suffered a serious accident - either at work, in a car or at home. Ask yourself - what would happen if you suffered a serious injury?

It’s likely you’ll need to take some time off work to recover, which could hit your earnings. Then there may be other financial costs - perhaps you’ll need to make changes around the house or other expensive lifestyle changes.

 

Let’s not forget the inconvenience and disruption to your life and those around you either. This is why the Personal Accident Plan could prove invaluable.

 

It can pay out a lump sum benefit if you suffer a specified injury meaning if you suffer an accident you can concentrate on getting better without having to worry about money.

WHAT IS NOT COVERED?

In common with other similar protection plans, the Personal Accident Plan does not cover accidents which are caused by the following:

  • War and terrorism

  • Riding a motorcycle, moped or scooter

  • Rock climbing or mountaineering

  • Professional sports

  • Combat and horse-related sports

  • Flying except as a fare-paying passenger

  • Competing in any race other than on foot or whilst swimming

  • Illegal acts, use of explosives, suicide or self-inflicted injury

  • Being under the influence of alcohol or drugs