Insurance for Motor Accidents
Injury Protect is an annually renewable insurance policy which pays cash benefits should you have a motor accident and require an emergency medical procedure. Benefits are designed to alleviate the out of pocket costs (e.g. time off work, travel, child care) of undergoing a medical procedure.
Injury Protect benefits are based on the normal recovery time of your operation, so that the longer the normal recovery time the greater the benefit will be that you will receive.
The policy will also reimburse you for emergency dental procedures following a motor accident.
Benefits under personal accident bolt-on plans tend to include standard personal accident benefits (accidental death, loss of sight and permanent total disability) which respond only to catastrophic injuries with relatively low limits.
Car accidents can cause a variety of serious personal injuries and death. Most people hurt in a car crash suffer impact injuries, from slamming into a part of the vehicle upon colliding with another vehicle or object or by being hit by unsecured cargo that becomes airborne in a crash.
Other common car accident injuries are cuts and tear injuries from broken glass and torn metal. In a rollover accident, a car’s occupant can be tossed around and injured from all directions or can even be ejected from the vehicle.
The head, neck, chest, pelvis, abdomen, legs (which includes knees) and feet are the parts of the body most likely to be injured in a motor vehicle collision, according to National Highway Traffic Safety Administration (NHTSA).
It is these “non-covered” incidents that Injury Protect is uniquely positioned to cover using its proprietary benefit schedule which pays cash benefits according to normal recovery times.
Injury Protect provides budgets of money designed to alleviate the out of pocket costs (e.g. time off work, travel, child care) of undergoing a medical procedure.
Cash benefits are paid according to the normal expected recovery time of a medical procedure, based on research and consensus guidelines from leading occupational health experts. with higher benefits paid for longer recovery times.
|BAND||LEVEL 1||LEVEL 2||LEVEL 3||LEVEL 4|
|Medical procedures which have a recovery and return to light manual work in a few days||£250||£500||£750||£1,000|
|Medical procedures which have a recovery and return to light manual work in around two to three weeks||£1,000||£2,000||£3,000||£4,000|
|Medical procedures which have a recovery and return to light manual work in around one to two months||£2,500||£5,000||£7,500||£10,000|
|Medical procedures which have a prolonged recovery||£5,000||£10,000||£15,000||£20,000|
Should you have a motor accident which causes damage to the teeth and/or gums, and results from a direct external impact, we will pay for the costs of dental repair treatment up to the amount shown in your policy document per motor accident.
|BAND||LEVEL 1||LEVEL 2||LEVEL 3||LEVEL 4|
|Damage to the teeth and/or gums which results from a direct external impact as a direct result of a motor accident.||Up to £1,000||Up to £2,000||Up to £3,000||Up to £4,000|
Full terms and conditions can be found in your policy document.
1. You must live in the United Kingdom, the Channel Islands or the Isle of Man for a minimum of 180 days a year;
2. You must have a valid motor insurance policy in place; and
3. You must not drive overseas for more than 90 days a year.
We will not provide any cover if you do not meet the above eligibility requirements at the start date of your policy. Please contact the administrator as soon as possible if you are not eligible for this insurance, if a change in circumstances means that you no longer meet these eligibility requirements or if you have any queries.
It is a condition precedent to our liability under this insurance contract that the following matters, in relation to all persons in respect of whom you wish us to provide you with cover under this policy, are true and accurate:
• All persons are employed by or contracted to you. This can include any director of your company who is salaried by you.
• All persons are covered under a valid motor insurance policy under which you are the policyholder.
• All persons have been declared by you to us via the administrator and are listed in the appendix of insured persons attaching to your Policy Schedule.
• All persons live in the United Kingdom, Channel Islands or Isle of Man for a minimum of 180 days a year.
• All persons do not drive outside the United Kingdom, the Channel Islands or the Isle of Man for more than 90 days per year.
If any person in respect of whom you wish us to provide you with cover under this policy does not meet the eligibility requirements above we will not provide you with any cover in relation to such person under this policy.
Please contact the administrator as soon as possible if any person in respect of whom you wish us to provide you with cover under this policy does not meet, or no longer meets, the eligibility requirements, or if you have any queries.