What is a Personal Accident Plan?

A Personal Accident Plan provides cash benefits from fractures and serious accidents

We all believe ‘it will never happen to me’ but I’m sure you're aware of someone who has suffered a serious accident – either at work, in a car or at home.

What would happen if you suffered a serious injury?

It’s likely you’ll need to take some time off work to recover, which could hit your earnings.

Then there may be other financial costs - perhaps you’ll need to make changes around the house or other expensive lifestyle changes. Let’s not forget the disruption to your life and those around you either.

The APRIL UK Personal Accident Plan pays out a lump sum benefit if you suffer a specified injury. It means you can concentrate on getting better without having to worry about money.

Plan highlights

Our Personal Accident Plan is a simple plan that pays you a cash lump sum if you suffer a specified fracture or serious accident.

Up to £3,000 from a fracture
Up to £200,000 from a serious injury (on the Premier Plus plan)
Covers injuries from winter sport, rugby, football and cricket
3 levels of cover to suit different budgets
 

"Customer service is excellent, always get a quick response and very helpful. I've had my plan 12 years now and I will continue with it." - Steve

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What's included?

The APRIL UK Personal Accident Plan is available with 2 levels of cover - Premier or Premier PLUS. Below we outline the benefits of both plans

Premier Plan

Includes 21 fracture benefits plus two additional cash benefits

Fracture benefits for children

Any children covered under the plan will be entitled to 50% of all benefits illustrated above.

Fracture cover excludes all fingers and toes.

Premier Plus Plan

All the benefits from the Premier Plan - plus a further 19 serious accident benefits

 BRONZESILVERGOLD
Permanent Total Disability: as a result of travelling as a fare paying passenger£100,000£150,000£200,000
Permanent Total Disability: as a result of any other accident£50,000£75,000£100,000
Loss of sight in both eyes£50,000£75,000£100,000
Loss of two limbs£50,000£75,000£100,000
Quadraplegia£50,000£75,000£100,000
Paraplegia£50,000£75,000£100,000
Permanent brain damage£50,000£75,000£100,000
Loss of sight in one eye£25,000£37,000£50,000
Loss of use of one limb£25,000£37,000£50,000
Loss of speach£25,000£37,000£50,000
Loss of hearing in both ears£25,000£37,000£50,000
Loss of hearing in one ear£5,000£7,500£10,000

Loss of use of:

- a shoulder or elbow

- a wrist, thumb, hip, knee or ankle

- any finger or big toe

- any other toe

£1,000

£7,500

£2,500

£1,250

£15,000

£11,250

£3,750

£1,875

£20,000

£15,000

£5,000

£2,500

Daily Hospitalisation benefits*£50 per
day
£75 per
day
£100 per
day
Lump sum hospitalisation benefit following 14 days continuous hospitalisation£500£750£1,000
Accidental Death£25,000£37,500£50,000

*Excluding the first 24 hours and up to maximum of 45 days in hospital

 

Cover for children

Where children are covered, they will receive the following serious accident benefits:

  • 10% of the above benefits, except;
  • Daily hospitalisation benefit & lump sum hospitalisation benefit where they will receive 50% of the above benefits.

Please refer to the Policy Document for a full list of benefits.

What's not included?

These are some of the key exclusions

  • War and terrorism

  • Riding a motorcycle, moped or scooter

  • Rock climbing or mountaineering

  • Flying except as a fare-paying passenger

  • Competing in any race other than on foot or whilst swimming

  • Illegal acts, use of explosives, suicide or self-inflicted injury

  • Being under the influence of alcohol or drugs

  • HIV, AIDS and related sickness, disease or injury

Please refer to the Policy Document for a full list of exclusions.

How do I make a claim?

Call the claims team on 0330 1348 437.

FAQ

Can I apply for this plan?
You must be over 18 and under 65 years of age. You also need to be a resident in the United Kingdom, Isle of Man or Channel Islands. You can choose to cover your partner and children against accidents and fractures for just a small additional premium. Children must be under the age of 18 or 23 years if in full time education.
What do we mean by a fracture?
“Fracture” means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor.
Who underwrites the plan?
Covea Insurance plc
Covea Insurance plc underwrite our Personal Accident Plan. With over 50 years trading experience in the UK, they have an excellent reputation in the industry for serving major financial institutions and having strong service standards.

FAQ

Can I apply for this plan?
You must be over 18 and under 65 years of age. You also need to be a resident in the United Kingdom, Isle of Man or Channel Islands. You can choose to cover your partner and children against accidents and fractures for just a small additional premium. Children must be under the age of 18 or 23 years if in full time education.
What do we mean by a fracture?
“Fracture” means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor.
Who underwrites the plan?
Covea Insurance plc
Covea Insurance plc underwrite our Personal Accident Plan. With over 50 years trading experience in the UK, they have an excellent reputation in the industry for serving major financial institutions and having strong service standards.