Personal Accident
Insurance

Do you need it!

Accidents happen… we never ever expect them to happen to us but unfortunately the statistics of severe car accidents on our roads every day tell us that the danger is real. We cannot know what might happen and we cannot prevent it, but we can at least be prepared.

If your work provides yourself and your family with an income then you need to consider what you would do if you were no longer able to work in the field in which you are currently trained, experienced and successful. You may need to spend time re-training, perhaps have to seek employment at a lower income level or may not be able to work at all.

In this difficult situation, this insurance will ease the financial pain and stress, easing the way forward for you and/or your family.

Jargon Busting

Abbreviated information for guidance only – subject always to the full Policy Wording.

Accidental bodily injury: Means an identifiable physical injury which is caused by a sudden, unexpected, specific event occurring at an identifiable time and place.

Disablement: Means loss of sight, loss of hearing, loss of limb or loss of speech which

1. Prevents you from performing the duties of any occupation for which you are qualified by reason of your education, training or experience; and
2. Lasts continuously for twelve (12) calendar months; and
3. At the end of twelve (12) calendar months is without prospect of improvement.

Insured person: Means the person(s) named on this section of the Schedule, who must be you (if named insured) and/or directors, partners, managers, officers or employees of the business insured.

Loss of hearing: Means total loss of hearing in one or both ears

Loss of limb: Means loss by physical separation of an arm or hand at or above the wrist, or of a foot or leg at or above the ankle, or total loss of use of a complete arm, hand, foot or leg.

Loss of sight: Means total loss of sight in one or both eyes.

Loss of speech: means total loss of speech.

• Cover for death or disablement occurring within 12 months of an accidental bodily injury, which is the sole cause of the death or disablement
• Post-mortem examination in the event of death
• Required medical examination in the event of disablement

• Interest on any benefits payable under this policy
• Accidental bodily injury sustained by any insured person under 16 or over 65 years of age
• Suicide, attempted suicide or deliberate self-inflicted injury
• Alcoholism or other alcohol related illnesses, drug addiction, solvent abuse
• Illness or natural causes
• Armed forces activities
• Accidental bodily injury resulting from dangerous activities

How much will it cost?

The cost for Personal Accident cover is as little as £35 per year or £2.92 per month plus tax, which is a minimal amount for the compensation offered.

You are also able to choose the cover level to suit your needs:

For a new policy

Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.

Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.

1. Click on the 'Get a Quote' button.
2. Choose to include the Personal Accident option.
3. See the quote straight away on screen, and you can either save it for later or continue on to purchase.
4. Once the payment is processed, the policy documents are immediately emailed to you.

To add to an existing policy

1. Simply login to edit your policy online
2. Adding the desired coverage
3. Confirm the change
4. Make payment

Please note that you cannot make changes to the policy during the renewal period which starts 6 weeks prior to expiry. If you need to make a change during this time please contact us on 01305 839939.