Children’s Accident Insurance

Underwritten by Lloyd’s.

Lloyd’s is the world’s specialist insurance market. Also known as Lloyd’s of London; it is a market where members join together as syndicates to insure risks.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.


    The policies are underwritten by certain underwriters at Lloyd’s.

    Covers if the policyholder sustains an injury during the policy term, which within 24 month’s results in:

    1. Death or disablement or the incurring of medical expenses
    2. Death or disablement due to exposure to severe weather (unavoidable exposure only)
    3. Disappearance where it is presumed that the policyholder has died and the cause is injury
    4. Fracture of certain bones (list below)

    Eligibility Criteria

    Clients are eligible for cover if on the start date of the policy they are a parent/legal guardian for an individual aged under 19 years

    Clients are not eligible for cover if on the start date of the policy they:
    Have suffered from high blood pressure, a stroke, a heart condition or other circulatory disorder 
    Have suffered from a slipped disc or other spinal disorder, a hernia, any rheumatic or arthritic condition, diabetes, any disorder of the digestive system or any respiratory, urinary or allergic condition

    Sum Insured for disablement

    Causes Covered Standard Policy Limit
    Accidental Death £7,500
    Loss of One Limb £5,000
    Loss Two or More Limbs £7,500
    Loss of Sight in One Eye £5,000
    Loss of Sight in Both Eyes £7,500
    Loss of One Limb and Loss of Sight in One Eye £7,500

    Sum Insured for fracture

    Causes Covered Standard Policy Limit
    Skull (open fracture) £1000
    Skull (closed fracture) £500
    Cheekbone £500
    Jaw £500
    Collarbone £300
    Shoulder blade £300
    Sternum £500
    Arm £500
    Ribs £500
    Vertebra £500
    Pelvis £500
    Wrist £300
    Hand £400
    Upper Leg £1000
    Knee £1000
    Lower Leg £500
    Ankle £500
    Foot £300

    Main exclusions

    • War and Terrorism
    • Flying other than as a passenger
    • Weapons of mass destruction
    • Nuclear or radioactive contamination
    • Professional Sports
    • Armed Forces operational duties
    • Osteoporosis diagnosed prior to the fracture
  • How to Make a Claim

    Claims Procedure
    In the event of an occurrence liable to give rise to a claim under this Policy, it is a condition before our liability that you shall give notice to us in writing as soon as possible after the date of the occurrence and in any event within ninety (90) days. Such notice shall include full particulars of the occurrence.

    Claims Correspondence and Notification
    You should in the first instance contact Roger Rich & Co at the following address;
    2a Marston House,
    Cromwell Park,
    Chipping Norton,
    OX7 5SR
    Telephone : +44 (0) 1608 641351
    Fax : +44 (0) 1608 641176

    A claim form will be sent once contact is made.

  • Cavere Insurance is a product provider and we do not sell directly to the public. If you contact us we can put you in touch with a registered broker that covers your area who will be able to provide you with a quote for one of our products.

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Product Downloads

  • Policy Wording

    A PDF copy of your full policy terms & conditions

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  • Insurance Product Information Document (IPID)

    A PDF summary of the policy features

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