Personal Accident and Sickness2019-10-23T17:42:25+01:00

Personal Accident & Sickness Insurance

Personal Accident Insurance is an insurance product designed to compensate you following serious injury or death as the result of an accident. It protects you and your family against the lost income followed by an accident and can assist with bills and other expenses. Personal Accident Insurance can often be included in Life and Car Insurance policies as a cover extension. It will not cover any other reason for being unable to work i.e. sickness, health or mental health issues.

This type of cover is also available as a standalone policy. It is your decision as to whether you want or need this type of cover in place. It can be extremely useful for anyone working within industries where accidents have a higher likelihood of occurring.

You may take the decision that this cover is an option for you because you have witnessed or been involved in incident/s in the past which may have left you or someone you know unable to work and therefore struggling or unable to meet future financial commitments.

If you have any further questions regarding personal accident insurance cover, or you would like question the cover you currently have in place, please get in contact with us. We have also put together a list of our most frequently asked questions (and answers to these) from our clients below and hope they will be of some help to you.

Frequently asked questions (FAQ)

Do I need to declare any adverse financial history?2019-08-05T23:00:43+01:00

The answer is an emphatic yes! Most insurers will ask you a direct question in relation to liquidation or bankruptcies, it may be for a limited period or ask you to declare any incidents ever. It’s important to answer the question correctly as this is often an area that comes up when insurers are investigating claims.

What is a pro rata refund?2019-08-05T22:59:33+01:00

This is when a proportional amount of the premium is refunded in line with the amount of time that remained on the policy.

Are all policies you sell exactly the same?2019-08-05T22:58:42+01:00

Policies vary greatly. Some products, like high net worth private household policies give very broad cover including warranty free policies whilst other policies may restrict cover to very narrow set of conditions using policy wordings. It is also true that insurers approach to claims handling varies greatly and you should always enquire as to how well an insurer deals with claims.

Do Insurers share information on claims?2019-08-05T22:48:16+01:00

On some occasions they do via selected registers. The best approach is to declare everything you think is relevant, thus removing any concerns you may have about historical data.

What is Personal Accident Insurance?2019-01-10T14:32:32+00:00

Personal Accident Insurance (also known as Personal Injury Insurance) is designed to give you the peace of mind in knowing that you have some financial protection should you die or suffer a serious injury in an unfortunate accident.

A policy can provide a lump sum payment to you or your family if you die or are seriously injured as the result of an accident. The money provided could be used in order to aid your path to recovery from a serious accident, or by your family to help secure your future financial stability if you were no longer there to provide for them. Cash could be used to help cover expenses such as the mortgage, car repayments or day to day bills.

Who is Eligible for Personal Accident Insurance?2019-01-10T14:31:46+00:00

If you are aged between 18-69 then you are eligible. There are no complicated health questionnaires involved, simply speak to us and we will guide you through how simple the process is.

What kind of Accidents does Personal Accident Insurance cover me for?2019-01-10T14:31:17+00:00

Personal accident insurance can cover you against many injuries and accidents, including:

  • An accident or injury at work
  • Injury caused by violence
  • Injury or death caused by a road traffic accident
  • Total and permanent disability
  • Injury caused by a slip or spillages
  • Loss of (or loss of use of) body parts
Why should I think about Personal Accident Insurance?2019-01-10T14:30:39+00:00

This kind of insurance will help protect you at work. If you are self-employed, it may be hard to cover yourself against any loss of earnings in the event an injury or accident prevents you from doing your job.

It is common for people to think about Personal accident insurance where people work in a high-risk environment where accidents or injury is more likely to occur. Within certain elements of the Security industry, risk is faced on a daily basis, so it could be wise to at least investigate how a Personal Accident could benefit you.

Can Personal Accident Insurance cover me if I were involved in a car accident?2019-01-10T14:29:14+00:00

Yes it could. Personal accident insurance covers you for all accidental injuries, whether they happen in a motor accident, at home, at work or wherever.

Can I increase the amount of benefit I would receive?2019-08-05T22:26:40+01:00

Yes you can. We would always advise you to have a discussion with a member of our team here at Inksurance, so that we can recommend which form of insurance would suit you best, as we can also look at Life and Health Insurance policies also.

What is a minimum and deposit policy?2019-01-10T15:03:15+00:00

This is a non-refundable insurance policy, usually reserved for liability insurance policies.

Can I cancel my policy if I change my mind?2019-01-10T15:02:50+00:00

Consumer policies tend to have a cooling off period. Some commercial policies will offer a pro rata cancellation refund if cancelled mid-term. Some policies are known as minimum and deposit. This means all the premium is due from the moment you take up the policy with no refunds given. It is always worth consulting with us regarding any questions you have around this. Our aim is always to provide you with the insurance solution which best fits your business and current needs.

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