Accidental Death Insurance

About the Accident Death Plan

Our Accident Death Plan lets you cover your partner and children too. The lump sum payment for the Accident Death Plan varies according to the type of accident and the plan you hold, with our standard product typically paying £500,000 for a Public Transport Accident, £50,000 for a Road Traffic Accident and £25,000 for most other accidents. A range of different amounts are paid for partners and children, and there is the flexibility to increase the level of benefits if you wish to. Premiums are fixed and don't increase with age - and you can keep your policy for as long as you like. Plus you don't need to undergo a medical.

Facts you need to bear in mind

There are some situations that you are not covered for and some limitations on what will be paid out. This is a summary of the main exclusions and limitations of your policy.

You must be aged between 18 and 80 to take out this policy and reside in the UK for at least 7 months of the year.

Claims will not be paid if death:

• is due to a pre-existing medical condition that you knew about when you took out the policy
• is as a direct result of consumption of excessive alcohol or use of illegal drugs
• is caused by a reckless or illegal act on your part
• occurs while on duty as a member of the Armed Forces
• occurs after 90 days of the accident

Limitations to what might be paid out:

• private buses (including school buses), coaches and taxis are not considered public transport under the policy. Accidents in these vehicles are covered under the road traffic accident or the other type of accident benefits.
• motorcycles are not considered a motor vehicle under the policy. Accidents while riding a motorcycle are not covered under the road traffic accident benefit but are covered by the other type of accident benefit.
• pilots and cabin crew are not covered while flying as part of their job.

Full details are detailed in the Certificate of Insurance which is available on request.