Personal Accident Insurance
What does Personal Accident Insurance Cover?
Personal Accident Insurance cover will include Temporary Total Disablement (TTD) and Permanent Total Disablement (PTD). A policy will pay a weekly wage to you (after a deferment period or excess, usually 7 to 14 days depending on your trade). So what classes as disablement? It ranges from broken limbs which prevent you from working to brain damage and paralysis. A personal accident insurance policy will usually pay for at least 12 months following an incident which will help matters in the short term and help you maintain an income.
Remember – There are around 1000 deaths which occur each year in work related road accidents, more than 36 million working days lost to accidents and illness in the UK annually and 2.7 million people require accident and emergency treatment in hospital each year (RoSPA 2009 – source). Has there been a more important time to obtain Personal Accident cover.
For a personal and confidential service speak to Bromwall. We provide a professional and sensible approach to your personal accident insurance requirements and will advise you accordingly.