INDIVIDUAL PERSONAL ACCIDENT INSURANCE
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:
- Death or disablement or the incurring of medical expenses
- Death or disablement due to exposure to severe weather (unavoidable exposure only)
- Disappearance where it is presumed that the policyholder has died and the cause is injury
- Fracture of certain bones (list below)
Clients are eligible for cover if on the start date of the policy they are aged under 65 (however fracture cover is limited to those under 60)
Clients are not eligible for cover if on the start date of the policy they: Have any defect of sight, hearing or other senses and faculties Any defect or infirmity which needed treatment or medical advice in the last 24 months or may require this in the future Have suffered from any mental, nervous, depressive or stress related condition
Sum Insured for death or disablement
Causes Covered Standard Policy Limit Death £10,000 Funeral & Repatriation Expenses N/A Loss of One Limb £10,000 Loss Two or More Limbs £10,000 Loss of Sight in One Eye £10,000 Loss of Sight in Both Eyes £10,000 Loss of One Limb and Loss of Sight in One Eye £10,000 Permanent Total Disablement £10,000
Sum Insured for fracture
Causes Covered Standard Policy Limit Skull (open fracture) £2000 Skull (closed fracture) £1000 Cheekbone £900 Jaw £900 Collarbone £600 Shoulder blade £900 Sternum £900 Arm £1000 Ribs £600 Vertebra £900 Pelvis £1000 Wrist £900 Hand £900 Upper Leg £2000 Knee £2000 Lower Leg £1000 Ankle £1000 Foot £900
- 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
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,
Telephone : +44 (0) 1608 641351
Fax : +44 (0) 1608 641176
A claim form will be sent once contact is made.
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Personal 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.