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Looking For Personal Accident and Sickness Insurance Cover? Look No Further!
Can you afford to be off work due to an accident, illness or if you are sick? If not then you should look at taking out a personal accident insurance policy.
An accident and sickness insurance policy provides you with an income whilst you are off work, until you return to work. We can provide cover for most occupations and can also include cover for sporting injuries.
Consider how your monthly bills (mortgage, electric, water, motor etc) would be paid and the effect on your household income if a provider is unable to work for a period of time.
Hodgson Insurance Services are insurance brokers and have been providing personal accident and illness policies for over 35 years and have the experience and service to provide you with the right quotation. We offer cover from a panel of top UK insurance companies to provide you with the most competitively priced policy on the market.
For a quotation please just click on the link above, complete the quote form, email it to us and we will come back to you shortly with a quotation. Alternatively you can call our office where we can collect the information all over the phone and come back to you with a quotation usually within 24 hours.
Examples Of Claims Made Under A Personal Accident / Sickness Policy.
Example 1. A self employed builder, whilst at work, falls off his ladder and breaks his arm. He’s unable to work for 8 weeks. He has a personal accident policy which pays him £250 a week back, until he returns to work. He has a 1 week excess, so he gets paid out for the final 7 weeks, (that’s £1,750). He wouldn’t have received a penny had he not had this policy with being self employed.
Example 2. An office worker is taken seriously ill, and has been signed off work for 26 weeks. They have a £200 a week back personal accident policy which also includes sickness cover. They have a 2 week excess so are paid out for the remaining 24 weeks they are off work. (That’s £4,800), a massive amount of money to lose if they didn’t have this type of policy.
Our policies can also include cover for sporting injuries, e.g. a broken leg playing football, or a broken arm whilst horse riding, etc.
In the event of an accident or illness it is vital that you can manage financially. A personal accident insurance policy provides peace of mind and family security.
Benefits Of An Accident and Sickness Insurance Policy
- A lump sum paid out following accidental bodily injury on death, loss of limbs, speech, sight and hearing or inability to work.
- A weekly benefit, normally for up to 2 years if you are unable to work following accidental bodily injury up to 70 years of age.
- The standard policies normally include an excess of just 1 or 2 weeks, which means a weekly payment will be given after this period has elapsed.
- Where you may have made provision for adequate death cover within a life policy elsewhere, our policies offer the option to include capital benefits to help cope with permanent disablement.
- Cover on the accident policy can be extended to include a sickness weekly benefit normally up to 1 year for up to 60 year olds.
- You can insure for up to 75% of your Gross Weekly Wage.
Accidental Death & Capital Benefits Cover
Accidental Death cover provides your family with a lump sum in the event you die through an accident.
Capital benefits gives you a lump sum payout for loss of limbs or eyesight, payouts would depend on what limbs or digits are affected.
Example Quote & Premium:
A 36 year old Plumber, who weighs 13 stone and is 5′ 10″ tall, earns £400 a week and plays amateur football at the weekends. He is fit and healthy with no previous illness’s, accidents or claims..
He is looking to cover himself for a weekly benefit of £300 with a 2 year accident payment period. He also wants basic £10,000 death and capital benefits cover. He would like a price for personal accident only cover, and also a quote including sickness cover with a 1 year accident payment period.
Insurer: Towergate Insurance
Excess: 1 week
Premium (12 months): Accident Only: £ 188.95.
Premium (12 months): Accident and Sickness: £ 447.75.
Amateur Sports: £100 additional premium to cover injuries through football.
(These prices are taken from October 2017 rates)