Personal accident cover responds to bodily injury caused by a sudden, external and violent event. It is not health insurance and does not pay for illness.
- A capital sum on accidental death, payable to the named beneficiaries
- Permanent total or partial disability, settled against a published scale of benefits
- Temporary total disability as a weekly benefit while you cannot work
- Accident-related medical expenses up to a stated limit
- Cover applies 24 hours a day, worldwide, at work and outside it
Benefits are usually set as a multiple of annual salary. Occupation class drives the rate, and a change of occupation has to be notified. Common exclusions include self-inflicted injury, intoxication, aviation other than as a fare-paying passenger, and professional sport.
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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