For owners, partners, managers and employees Three cover level options - up to £100,000 Covers you in the event of an accident causing death or disablement which prevents you from working in your field permanently or for a prolonged period Aimed at helping you cover the costs of retraining and/or seeking alternative work and the loss of income during this period Can be added to existing policies Other optional extras include, cyber and data protection, employer’s liability, portable business equipment, workplace contents Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' coverThis extra protection provides cover should you suffer a serious accidental bodily injury which leaves you unable to perform your job for a long time or leads to your death.
These bodily injuries are loss of sight, loss of hearing, loss of limb (or total use of) or loss of speech which lasts continuously for 12 (twelve) calendar months.
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.
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
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.
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
£25,000 £35 + tax
£50,000 £69 + tax
£100,000 £138 + tax
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.
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:
£25,000 —- £35 + tax
£50,000 —- £69 + tax
£100,000 —- £138 + tax
Getting add on cover such as, Personal Accident is quick and easy, whether you're getting a new policy or adding cover to an existing one.
1. On a New Policy?
- Get an instant quote by clicking ‘Get a Quote’.
- Answer a few quick questions—it only takes a few minutes.
- Include Personal Accident Cover
- Save your quote for later or proceed to purchase.
- Pay securely by credit or debit card and receive your policy documents immediately via email.
2. Adding to an Existing Policy?
- Log in to your account and go to 'Your Policy' section.
- Next to Personal Accident, click add.
- See the cost before confirming.
- Choose your cover level, pay, and receive your updated policy documents instantly.
Coverage is not available for individuals under 16 or over 60 years old.
Coverage is not available for individuals under 16 or over 65 years old.
Personal Accident protection does not cover disease and illness. It covers severe accidents causing long term disability or death.
It must be a specific accident that occurred during the term of cover.
It cannot be an accident that pre-dates the policy period.
Yes this policy will cover any eligible accident that is serious enough to stop you working in your field of business for at least a year.
Yes, you can.
The pricing and cover limits that we offer are per person and you can have up to 3 people, provided that they are people who are covered by your main Professional Indemnity, Public Liability and Medical Malpractice policy.
No, unfortunately you can't.
This cover is only available for those people who are included on your Professional Indemnity, Public Liability and Medical Malpractice policy.
Personal Accident cover is an add on coverage. Once you have added an additional area of cover, such as Personal Accident to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.