Financial support following accidental injury or death
Personal Accident Insurance provides financial benefits if an insured individual suffers accidental injury, disability or death. This cover can help support business owners, directors and employees following an unexpected accident, whether at work or, in some cases, outside of work depending on the policy.
For fleet-based businesses, where drivers and staff are exposed to higher day-to-day risks, personal accident cover can provide valuable financial protection.
What’s typically covered
- Accidental death benefits
- Permanent total or partial disability
- Temporary total disablement (loss of income)
- Loss of limbs, sight or hearing
- Specified injury benefits
Cover applies subject to policy terms, conditions, exclusions and limits.
Who it’s suitable for
- Courier and delivery drivers
- Taxi and private hire drivers
- Haulage and logistics employees
- Business owners, directors and key individuals
Claim example
A self-employed courier is injured in a road traffic accident and is unable to work for several weeks. Personal Accident Insurance can provide a weekly benefit during the period of disablement, helping to support income while the individual recovers.