LIST OF POLICIES

Our Personal Accident Insurance products can be quoted and purchased online from this website. Alternatively you can obtain a quote and/or buy your Personal Accident insurance by calling us on 0870 121 7590.

Personal Accident Insurance for Sports and Leisure Activities This insurance is underwritten by Lloyds to provide protection against the effects of an accident either in the form of a capital sum or a weekly benefit for most types of sport and leisure. DO I NEED THIS COVER? if you are off work temporarily-who pays the bills? In the event of an injury which prevents you from working, who pays the mortgage and provides financial assistance to look after your family? Will statutory sick pay cover your normal outgoings? A Personal Accident policy is a sensible method of continued income and at the same time provides you with peace of mind. WHEN DOES COVER APPLY? you can take advantage of a 24 Hour cover that applies all day, every day, covering accidents whether you are working at the time or not. On the other hand you can restrict cover to accidents occurring only during the leisure activity. Please note that if you are employed full time in a leisure activity 24 Hour cover is automatic. WHAT BENEFITS ARE AVAILABLE? WEEKLY BENEFIT If as the result of an accident you suffer an injury which prevents you from working. This is known as temporary total disablement ie. injuries such as a broken leg or arm. Weekly benefit is payable up to 104 weeks. CAPITAL BENEFIT In the event of accidental Death Total loss of sight in one or both eyes Loss of one or more limbs. (By physical severance at or above the wrist or ankle) Permanent total disablement which after 104 weeks prevents you from following your profession or occupation HOW MUCH IS AVAILABLE? Benefits are on a fixed payment basis. The choice is completely yours. Weekly benefits are limited to 75% of your normal weekly income. If your are not gainfully employed, no weekly benefits will be paid. For simplicity we have arranged the Accident Benefits in standard units providing the benefits shown below. HOW MUCH WILL THE COVER COST? The cost of the cover depends on the nature of your occupation and the leisure activity pursued. Certain activities are obviously more susceptible to accident or injury than others and certain occupations require a higher degree of fitness and therefore a longer recovery period. A premium indication can be given to include most leisure activities on receipt of the completed proposal form. Our quotations and advice are without charge or obligation. Benefit Capital Benefit Weekly Benefit Are there any exclusions I should know about? A £10,000 Weekly Sum £50 Cover is not available for certain activities. For example, Football, Rugby, Motorcycling, Racing or training for all ski races on the FIS calendar, Ski bob racing, Bungee Jumping. The policy also excludes death or injury arising from suicide or attempted suicide, the use of drugs or alcohol, war or kindred risks. We reserve the right to request further information in respect of certain activities before a quotation can be provided. B £15,000 Weekly Sum £75 C £20,000 Weekly Sum £100 D £25,000 Weekly Sum £125 E £30,000 Weekly Sum £150 Note: Maximum Benefit available is Benefit 'E' Proposal Form Please note that cover does not commence until the proposal has been accepted and the premium paid to the company. Title Select... Mr Mrs Miss Ms Forename(s) Surname Address Telephone Number Email Address Post Code Height Weight Date of Birth Occupation (Main) Part time or temp occupation Please list all leisure activities pursued for which cover is required Is cover required on: Select... 24 Hour Basis Activity Risks Only Benefit Capital Benefit Weekly Benefit Please Remember A £10,000 Weekly Sum £50 WEEKLY BENEFITS ARE LIMITED TO 75% OF YOUR NORMAL WEEKLY INCOME if you are not gainfully employed no weekly benefits will be paid B £15,000 Weekly Sum £75 C £20,000 Weekly Sum £100 D £25,000 Weekly Sum £125 E £30,000 Weekly Sum £200 Please select Benefit required Select... A B C D E Have you ever suffered from any illness, disability or condition which has affected your ability or could in the future affect your ability, to undertake the activity(s) now being proposed for insurance. If YES please give details. Select... Yes No Have you ever been declined, deferred or accepted on special terms for Life Assurance or Personal Accident Insurance or has any company cancelled or declined to renew your policy or requested to amend benefits, terms or conditions. If YES please give details. Select... Yes No Are you now insured under a separate Personal Accident Policy? If YES please state the name of the insurer and the level of benefits. Select... Yes No Does your average NET weekly income exceed the amount of weekly benefits payable under this and any other policy you hold? If YES please give details. Select... Yes No Will you pursue your leisure activity or occupation outside the United Kingdom? If YES please give details. Select... Yes No Please note that the policy has an automatic 30 day world-wide extension. For additional periods of cover, rates are available on request. DECLARATION: I declare that to the best of my knowledge and belief the information given is true and that all HEALTH CONDITIONS and MATERIAL FACTS have been disclosed to the Underwriting Agents. (NB. a material fact is one likely to influence acceptance or assessment of this proposal by Underwriters. If you are in any doubt as to whether a fact is material or not you should disclose it). I understand that failure to disclose could result in the insurance not protecting me in the event of a claim. I agree that this application shall be the basis of the Contract of Insurance. I understand that you may exchange information with other insurers or their agents to check the answers I have provided and you have my authority to do so. I understand that by submitting this form, I am agreeing to the terms and conditions of the policy. The personal data you provide may be used by Harrison Beaumont Insurance Services Limited, the insurers and their agents, associated companies and reinsurers for the purposes of insurance administration and to handle any claims. The information may be disclosed to regulatory bodies for the purposes of monitoring and enforcing compliance with regulations and codes. The information may also be shared with other insurers or those acting for them (such as loss adjusters or investigators.) Some of the data you may need to provide, such as health or medical details, is classed as "Sensitive Personal Data" and by proceeding with this application you are signifying your consent for this data to be used for the above purposes. We may, from time to time, contact you with details of other products, services or offers. If you do not wish to be contacted for these purposes please tick this box. The cover is subject to English Law. Any enquiry or complaint should be addressed in the first instance to Harrison Beaumont Insurance Services Limited on 0870 121 7590.