Personal accident insurance, also known as personal injury insurance, is designed to pay out compensation if you suffer from a serious injury or death as the result of an accident.
Accidental policy provides financial support for a range of specified accidental injuries and UK hospital stays. You can claim for multiple injuries and your policy will continue to protect you in the future.
Unlike other insurance policies, accidental policy does not ask any health questions, when you take out the policy. You can take out this policy from 18 years old up to your 60th birthday and can continue cover up until your 70th birthday.
There are many types of accidental insurance policies on the market, at Allstarutilities we will make sure you will have help choosing the most suitable insurance policy for you.
You will receive UK hospital cover for every 24 hours you spend as an in-patient as the result of an accident. Once you’ve had your policy for 12 months, you can also claim for
time spent in hospital due to sickness.
In order to make a smart decision regarding the type of policy and provider that’s best for you, you must first understand what a accidental insurance policy is and what you need it for.
It is here that our team of professionals can be of help.
Please use our contact form for more advice and information.
An average appointment lasts between 60 to 90 minutes and you only have to do this once.
Getting the right advice makes things a lot easier, a qualified advisor will help you to choose the protection for you & your loved ones.
Accidental protection policies start from as little as £7 per month, that’s all it costs to have a peace of mind.
69% ofclaims relating to children are for broken bones (mostly from just kids being kids).* A cash lump sum could allow you to take time off to help get them better.
79% of sports-related claims are caused by non-professional rugby injuries.* If you break your leg, your payment could help cover unexpected costs – such as taxis to work while you recover.
21% of customers who have made a claim, have done so more than once. * There is no limit to the number of claims you can make.
There are obviously some people in life that may see more value in taking out this kind of policy, particularly those who work in an industry with a more pronounced risk of accidental death. Even if you are an office worker whose hobbies don’t involve any dangerous activities, you may still consider this kind of insurance if you drive or cycle to work every day.
Unlike typical insurance policies, accidental insurance isn’t based on you age, height, weight or any medical conditions, there are levels of cover you can choose, the higher the level the more it will cost.
Most policies have a 31-day grace period wherein you can pay the premium with no penalty or interest. If you have a term policy and do not make the payment within this grace period, the insurance company will usually terminate the policy.
In simple terms, the answer is yes.
Unlike typical insurance policies, accidental insurance doesn’t look at your medical history and any existing conditions as its simply not designed to do so, as the name suggest this type of policy covers you against accidents.
As there isn’t any medical questions in the application there isn’t any underwriting to take place, you cover starts as soon as you decide to buy it.