FAQ's - Injury Insurance

Does this policy cover every sport and activity?
What does Day 1 cover mean?
Is it more expensive to cover extreme sports?
Does it cover injuries at work or at home?
Does this cover me for time off work due to illness?
Are previous injuries automatically excluded?
I’m self-employed – can I get this policy?
Will I be covered abroad?
How old do I need to be to apply?
How many times can I make a claim?
Are any occupations not covered?
Do I need to renew this policy every year?
Do smokers pay a higher premium?
Can my benefits be index-linked?
Will my monthly premium go up as I get older?
Does this policy cover professional sports people?
What isn’t covered?
Am I eligible for this policy?
Will my fingers, thumbs and toes be covered?
My employer pays me sick pay – can I still claim?
Does this policy cover me outside of my sporting activities?
Will my premiums go up after a claim?
Will my policy be cancelled after I make a claim?
Why do I need to complete a questionnaire?
The Product Guide mentions ‘Severe Injury Cover’. Do I need to add this?
Where is the policy documentation?
Does this policy cover every sport and activity?

YES… this policy includes cover for all sports and activities, no matter how extreme.

Please note: All sports are covered under this policy as standard, including all extreme sports. However, as acceptance is subject to underwriting, in certain cases an extreme sport may be excluded where you have sought medical attention twice or more within the last five years as a result of that sport or activity.

What does Day 1 cover mean?

When you are signed off work for more than 3 days and make a claim, your claim will be back-dated to the 1st day you were signed off work.

For anyone without any other sick pay arrangements, Day 1 Cover is the best you can get – it also includes the benefits of Severe Injury Cover as standard.

If you feel that Day 1 Cover is not suitable for you, this policy can be arranged with waiting periods of either 4/8/13/26 and 52 weeks. Please contact us for details.

Is it more expensive to cover extreme sports?

No. The standard monthly premium includes cover for all sports – no matter how high risk.

Does it cover injuries at work or at home?

Yes. This policy also covers you for injuries at work, rest and play, thereby providing you with an excellent level of all-round protection – 24/7.

Does this cover me for time off work due to illness?

Yes, it covers you for any reason you are signed off work.

Are previous injuries automatically excluded?

No. In most cases, previous broken bones and fractures will still be covered for any future injuries, however previous ligament or tendon injuries requiring surgery may result in a specific exclusion.

You will be made aware of any exclusions before a policy starts, thereby allowing you decide if you wish to proceed.

Due to the comprehensive long-term cover this policy provides, the policy is subject to underwriting; this is why you are asked to complete the medical questionnaire when applying.

I’m self-employed – can I get this policy?

Yes. This policy will cover up to 65% of your pre-tax profit for the 12 month accounting period ending within the 12 month period immediately preceding a valid claim.

If you are the director of a limited company, your employment status is classed as ‘Employed” and cover will be up to 65% of your salary plus dividends.

Will I be covered abroad?

Yes. You will be covered for accidents, injuries and illness sustained anywhere in the world, including whilst doing sports and activities on holiday – and even the high-risk adrenaline types.

If your occupation takes you abroad, you must not work outside of the UK for more than eight weeks per calendar year.

NOTE: You will need to be back in the UK in order to make a claim.

How old do I need to be to apply?

You can take out this policy if you are 18 or over, and have not yet had your 55th birthday when the policy starts.

How many times can I make a claim?

You can make as many claims as you need, even for the same injury or illness.

Are any occupations not covered?

Virtually all occupations are covered with the exception of the following;

Acrobat
Actor/Actress
Artist
Asbestos Worker
Astrologer
Author
Body Guard
Bookmaker (Course)
Boxer
Broadcaster
Circus Performer
Composer
Dancer
Disc Jockey/DJ
Diver
Entertainer
Foster Carer
HM Forces
Musician
Pilot
Song Writer
Sports Person (Professional)
Student
Stuntman
Trawler/Fisherman
Any occupation where you are employed under a Zero hours contract

Do I need to renew this policy every year?

No. This is a rolling policy, so as long as you maintain your monthly payments you will continue to be covered year after year, subject to it’s terms and conditions.

As such, you only ever need to complete the questionnaire once, when you you originally take out the policy.

Can my benefits be index-linked?

Yes. When you apply for this policy you can choose to have the policy index-linked from the outset, or you can add this feature at a later date.

Will my monthly premium go up as I get older?

The premiums will increase each year after your birthday, but the amount of times you claim will never affect this.

When you get a quote, there is an option for you to fix your premiums, but this will mean higher premiums from the outset.

Does this policy cover professional sports people?

Unfortunately this policy does not cover professional or semi-professional sports people.

What isn’t covered?

This policy does not cover:

Any illness or injury caused as a result of: alcohol/substance abuse including legal highs, pregnancy/childbirth, sterilisation (unless on the grounds of medical necessity), criminal conduct, non-medically essential treatment (includes cosmetic surgery) or any planned or unplanned occupational absence such as maternity/paternity or adoption leave.

Am I eligible for this policy?

You can apply for this policy if all of the following apply:

You are 18 or over and have not yet had your 55th birthday at the start date of your contract.
You live in the UK.
You are registered with a UK Doctor who can supply, if requested your up to date five year medical history immediately preceding the date of your application.
You are currently actively working in the UK and not employed on a zero hours contract.
You are employed or self-employed earning at least £6,400 per year and working 16 hours or more per week.
Your earnings are taxable in the UK.
You are not awaiting any medical tests, investigations or the results of these.
You do not work outside of the UK for more than eight weeks in a calendar year.
Unfortunately you are unable to apply for this policy if you do one of the following occupations:
Aircraft & Helicopter Pilots, Army/RAF/Navy, Artist, Asbestos Worker, Astrologer, Athlete, Author, Body Guard, Bookmaker (Course), Boxer, Broadcaster, Circus Performer, Commercial Diver, Composer, Dancer, Disc Jockey/DJ, Diver, Entertainer, Foster Carer, Home Maker/House Person, Musician, Pianist, Professional / Semi-professional sportsperson, Song Writer, Student, Stuntman, Fisherman/Trawler man

NOTE: If you have more than one job or take on another job(s) at any time during your contract you must tell us. We will treat them as a single occupation which means that if you are able to do any of your jobs you will not be eligible to claim benefits.

Will my fingers, thumbs and toes be covered?

Yes. As long as you are signed off work, you will be eligible to make a claim.

My employer pays me sick pay – can I still claim?

Yes you can. The amount you will receive will depend on the amount of cover you have selected.

If you are insuring yourself for the maximum level of cover available to you. (65% of your total yearly earnings.)

Most people receive sick pay from their employer for up to 6 months, in the form of Statutory Sick Pay. When you make a claim, you can still get full Statutory Sick Pay without affecting the amount you receive from this policy.

If you get any other type of sick pay from your employer, this would reduce the amount of benefit you will receive from this policy. (The less your employer pays you, the less effect it will have.) When your employer stops those payments, the payments you receive from this policy will increase.

If you do receive some guaranteed sick payments from your employer, alternative waiting periods are available up to 52 weeks deferred, please contact his for an individual quote.

If you are insuring yourself for less than the maximum level of cover available to you. (65% of your total yearly earnings.)

Most people receive sick pay from their employer for up to 6 months, in the form of Statutory Sick Pay. When you make a claim, you can still get full Statutory Sick Pay without affecting the amount you receive from this policy.

Depending on the amount of cover you have selected, if you get any other type of sick pay from your employer, this could reduce the amount of benefit you will receive from this policy. (The less your employer pays you, the less effect it will have.) When your employer stops those payments, the payments you receive from this policy will increase.

Does this policy cover me outside of my sporting activities?

Yes. This policy covers you for injuries at work, rest and play. This provides you with comprehensive all-round protection – 24/7.

Will my policy be cancelled after I make a claim?

No, and you can claim as many times as you need for the same injury or illness for as long as you keep the policy in place.

Why do I need to complete a questionnaire?

Due to the comprehensive long term cover this policy provides, the insurance company need to make a considered decision before acceptance, and to see if any pre-existing medical conditions can be considered for inclusion.

You will be notified in writing of any exclusions to your cover before the policy starts, as this ensures that you have no nasty surprises when making a claim in the future.

The Product Guide mentions ‘Severe Injury Cover’. Do I need to add this?

No. This is because all applications made through this website are for Day 1 Cover, and Day 1 Cover automatically includes the Severe Injury Cover benefits as standard.

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