Unlike some other providers we can provide cover for a fully array of occupations including manual trades. We can also cover sports and recreational activities – our goal is to give you the cover you need, not hide behind the small print! 

Whether you work behind a desk, in construction, or personal security in a potential terrorist hotspot - we can tailor a policy that meets your needs.

Our personal accident cover is split into two key areas:

1. Capital Benefits providing lump-sum payments for life changing events such as accidental death, paraplegia, quadriplegia or permanent disablement as well as permanent loss of limbs, sight, hearing or speech.

2. Weekly Benefits which will assist in replacing lost income for the period you are unable to work following an accident allowing you to keep mortgage and rental payments up-to-date. We can also extend cover for sickness subject to underwriter acceptance.

For under the temporary total disablement section we provide the agreed weekly benefit for up to two years (104 weeks). Should sickness cover be agreed, then cover is provided for one year (52 weeks)

We are happy to consider cover for all types of activities, generally we would consider taking part in the following to be hazardous, although this is not an exhaustive list and we would suggest you speak to one of our advisors to confirm your individual requirements:

Aviation, boxing, caving, climbing or mountaineering, football, hang-gliding, jet-skiing, martial arts, parachuting, pot-holing, rugby, winter sports, off-piste skiing, snowboarding, underwater diving, water sports, riding or driving in any form of race, trial or competition