Personal accident protection
Please check your specific membership plan to make sure that this benefit is included in your level of cover.
Please call the claims department on 01270 588555 for a separate personal accident claim form. Under the following conditions, we will only consider the amount of benefit we will pay under this section if a bodily injury results in death or permanent total disablement within one year of the accident. We will pay the sum insured in line with the level of contribution you have paid. Protection will end on your 70th birthday. You must write to us within six months of an accident to let us know about it.
We will not pay more than £25,000 as a result of any one accident.
‘Bodily injury’ means an injury caused only by an accident and not by any sickness, disease or gradual cause. ‘Bodily injury’ does not cover post-traumatic stress disorder.
‘Permanent total disablement’ means a permanent disability that prevents the insured person from carrying out a job.
We will decide, based on medical advice, if we will pay benefit.
Personal accident protection does not cover death or permanent total disablement caused by the following.
• Radioactive contamination
• Taking part in professional sports or flying as a pilot or crew member (that is, aircraft, gliders, hang-gliders, microlights, parachuting, paragliding, ballooning)
• Suicide or deliberate injury
• War, hostilities, invasion or civil war, and full-time active military service
• Drug, alcohol or solvent abuse, or taking drugs (unless you are told to by a registered medical practitioner)
