Personal Accident Insurance

Can you afford to be off work due to an accident, illness or if you are sick?  If not then you should have 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 all occupations and can also include cover for sporting injuries. 
Consider how your monthly bills would be paid and the effect on the household income if a provider is unable to work for a period of time.

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, until he returns to work.  He has a 2 week excess, so he gets paid out for the final 6 weeks, (that's £ 1,500), he wouldn't have received a penny had he not had this policy being self employed.
2.  An office worker is taken seriously ill, and has been signed off work for 26 weeks.  They have a personal accident policy which also includes sickness cover for £ 150 a week.  Apart from the 1 week excess they are paid out for the remaining 25 weeks they are off work.  (That's £ 3,750), a massive amount of money to lose if they didn't have this policy.

Policies can also include cover for sporting injuries, i.e. broken leg playing football, or broken arm whilst horse riding, etc.

GJT Hodgson Insurance Services are insurance brokers and have been providing personal accident and illness policies for over 30 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.
 

To arrange a quotation, just click on the link below, complete the quotation form and we will arrange a quotation for as soon as possible.

• 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 an accident.
• 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.
• You can insure for up to between 60- 75% of your average gross weekly wage.

A 36 year old Plumber earns £400 a week.  Therefore he is looking to cover himself for a weekly benefit of £300.  He included £10,000 death cover and £10,000 capital benefits cover.

He plays football for a local amateur football club, and he's had no previous accidents or illnesses.  He would like a price for personal accident only cover and also accident and sickness cover.

Arrange A Quotation Now
To arrange a quotation, just click below, complete the quotation form and we will come back to you with a quotation as soon as possible.

  Alternatively you can ring our office on 01288 353999, where we will be more than pleased to discuss your requirements over the phone.
 

Insure yourself now for peace of mind and for your family's security

GJT Hodgson Insurance Services are authorised and regulated by the Financial Services Authority.