Frequently asked questions:

5-Star rated cover – what does this mean?
A 5 Star product provides one of the highest quality offerings in the market. The policy provided by Monster Sports Insurance is rated 5-Star by Defaqto, a leading independent rating company. Their experts have done all the hard work for you by analysing policies, terms and conditions and rating them on a scale of 1 to 5 based on the quality and comprehensiveness of the features and benefits they provide.

Is this policy better than just a sport-accident insurance policy?
Yes. With standard ‘sport-accident’ insurance policies, you’d have to prove that your injury was specifically due to sport – which can often be hard to do. However, because this policy is so comprehensive and covers you 24/7, that problem does not exist.

In addition, as well as covering you for all types of sporting injury, you’ll also be covered for illness and any accidental injury at home or at work.

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.

How long do I have to be off work to make a claim?
You can claim after just 1 week of being signed-off work, but you can select an optional extra which will pay you a £1500 payment for a fracture straight away.

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.

My current policy doesn’t cover the same injury for 2 years after a claim- is this policy the same?
No. With this policy you can claim as often as required – even for the same injury, with no minimum time limits between claims.
People tell us that this is a very important feature to them, because the part of their body they’ll want to have covered most after an injury, is the very part that they’ve just injured.

Is it more expensive to cover extreme sports?
No. The standard monthly premium includes cover for all sports – no matter how high risk.

Will my premiums go up after a claim?
No.

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 when you are signed off work due to injury or illness.

Do smokers pay a higher premium?
No.

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.

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.

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.

The Product Guide mentions ‘Severe Injury Cover’. Do I need to add this?
Severe Injury Cover is an optional extra, which means you will not have to wait the usual 4 weeks before being able to make a claim for certain injuries.

My employer pays me sick pay – can I still claim?
Yes you can. Although the amount you receive from your employer will be deducted from the amount of cover you would be expecting to claim. This is a Financial Conduct Authority rule and is there to stop a situation known as ‘Betterment’ (meaning you shouldn’t be better off financially whilst off work ill than if you were working) i.e claiming on your income protection policy and receiving sick pay as well.

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.

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.

Am I eligible to apply 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.

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.

When am I not eligible to apply for this policy?
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.

You will not be eligible to apply if you are currently off work, working reduced hours or had your normal duties altered due to illness or injury or where this was the case and you have now returned to work (or working your normal duties), you must have been doing so for a period of 6 months before you are eligible to apply.

You will not be eligible to apply if you have had any of the following conditions; Multiple sclerosis (MS), Motor Neurone Disease (MND), Parkinson’s Disease, Huntington’s Disease or Dementia (including Alzheimer’s disease),Bipolar Disorder, Manic Depression, Schizophrenia, Borderline Personality Disorder, Polycystic Kidney Disease (PKD), HIV / AIDs, Cardiomyopathy, Cirrhosis, Systemic Lupus Erythematosus (SLE), A major organ transplant (as a recipient), Cystic fibrosis. or where you take recreational drugs or drugs not prescribed by your doctor.