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Protection - Accident Protection

If you could predict the future, you could plan ahead and make life a little bit easier. Unfortunately, we all know life isn’t like that.
Whilst there are changes you can make to your lifestyle to reduce the chance of being involved in an accident, there is no way of eliminating the risk entirely. What would you and your family do if an accident prevented you from working? Worse still, how would your family cope financially if this resulted in permanent disability?
That's why Accident Protection is specifically designed to give you financial protection by providing a cash lump sum if you were to suffer from a specified accidental injury.

At a Glance

  • Cash sums of up to £250,000 if you should suffer from an injury covered by the policy
  • Choice of additional cover options: Child Cover Benefit and Health Care Benefit
  • Funeral Benefit for death by natural causes - up to £5,000 paid to your estate if your policy has been in force for more than one year
  • Hospitalisation due to accident or sickness (cover due to sickness starts once you have had your policy for 12 months)
  • Cover will commence when the application has been issued by Head Office (confirmation of the start date will be on the policy schedule in the Welcome Pack)
  • You are covered 24 hours a day, 365 days a year
Key points to Note
    • The policy does not have a cash surrender value
    • We will not consider claims for hospitalisation in non-UK hospitals
    • We don't cover psychiatric illness, depression, mental or stress-related conditions
    • We don't cover certain sports e.g. mountaineering and rock climbing
    • A broken bone means a break to a bone, caused by accidental means, which can be evidenced by x-ray or other suitable clinical diagnosis.  The nose is specifically excluded
    • Hospitalisation as a result of sickness is excluded during the first 12 months of the policy. You must notify us of any change in occupation, as some occupations are excluded from cover
    • Benefits are fixed and do not increase in line with inflation. Inflation may erode the buying power of your benefit
    • Cover ends on your 65th birthday.


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