FAQs

Will these policies cover me for accidents at work as well as sports accidents?
Is this type of cover the same as a sport-accident insurance policy?
Can I still get Statutory Sick Pay (SSP) or Employment & Support Allowance (ESA)?
If I smoke, will this affect my premiums?
I have a very high-risk job and do high-risk extreme sports - will this affect my premium?
Are previous injuries and illnesses automatically excluded?
Will I still be covered when I’m on holiday abroad, even for sports?
Is there a limit to how many claims I can make?'
Is there a time limit on how long I can claim for?
Will my premiums go up after a claim?
Do I need to have a mortgage to be eligible for this cover?
Why do I need accident & sickness 'Income Protection'?
Won't the State look after me?
I already have sick-pay benefits at work. Do I need this cover as well?

LONG TERM COVER

The key benefits of this policy:

  • No time limit on claims
  • Extreme sports included as standard
  • High risk jobs covered at no extra cost
  • Cover for any illness and any accident
  • Available to employed and self employed
  • Pays up to 65% of your income tax-free
  

SHORT TERM COVER

The key benefits of this policy:

  • Maximum payout of 12 months per claim
  • Extreme sports included as standard
  • High risk jobs covered at no extra cost
  • No medical questions or proof of income
  • Available to employed and self employed
  • Choose payout from £300 to £1500 per month

5 good reasons to take out this cover

1

“It will never happen to me”

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2

Ensures you can pay your bills

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3

Allows you to play with peace of mind.

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4

Protect your lifestyle

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5

Covers you at work too

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