Personal Accident

Many self-employed people arrange cover for Public Liability - and so protect their customers against damage or injury that they cause - but overlook the fact that they could suffer injury in an accident and be unable to work for several weeks.

Personal Accident cover provides a weekly or monthly payment in the event that the policyholder is involved in an accident - including road accidents - and unable to work. The cover can be extended to include sickness.

The premium charged by insurers will depend upon the type of work that is being done, the age of the proposer and the amount of benefit that is required.

This will normally be limited to two-thirds of the normal net pay. The reason for this is that Statutory Sick Pay will normally be payable in addition to the insured benefit and insurers will not permit the insured person to receive more in benefit than when they are working normally! This does not normally encourage a return to work!

If you would like a quotation, please complete our Enquiry Form and return it by post, fax or email. We will respond immediately we receive a quotation - usually on the following working day.