The Plan pays out a cash sum for a range of injuries including fractures, dislocations, full thickness burns and permanent disabilities such as loss of limbs or sight. A one off hospitalisation benefit is also available if an accident results in bodily injury requiring hospital confinement as an in-patient for two or more days (this benefit is only applicable where no other benefit is payable). Full details of your cover will be sent with your Policy Document.
The total cover benefits are:
|Fracture(s) to one or more bones of the:||Standard Cover||Premier Cover|
|Vertebral body of the spine (except coccyx)||£2,500||£5,000|
|Skull (excluding nose & teeth)||£750||£1,500|
|Shoulder (shoulder blade or collar bone)||£750||£1,500|
|Vertebral arch of the spine (except coccyx)||£750||£1,500|
|Ankle (Pott's fracture or similar)||£500||£1,000|
|Wrist (Colles' fracture or similar)||£350||£700|
|Coccyx (base of spine)||£250||£500|
|Hand (except fingers or thumb)||£75||£150|
|Finger or thumb||£75||£150|
|Foot (except toes)||£75||£150|
|Total Fractures Benefit payable for any one Accident||£15,000||£30,000|
|Dislocation of a:||Standard Cover||Premier Cover|
|Vertebra of the spine (excluding slipped disc)||£1,000||£2,000|
|Finger or thumb||£50||£100|
|Total Dislocations Benefit payable for any one Accident||£ 1,000||£ 2,000|
|Permanent Disabilities||Standard Cover||Premier Cover|
|Loss of sight in both eyes||£10,000||£20,000|
|Loss of both hands, both feet or a hand and a foot||£10,000||£20,000|
|Loss of one hand or foot||£7,000||£14,000|
|Loss of sight in one eye||£5,000||£10,000|
|Loss of four fingers and a thumb on either hand||£5,000||£10,000|
|Loss of four fingers on either hand||£3,000||£6,000|
|Loss of a thumb on either hand||£2,000||£4,000|
|Loss of all toes on either foot||£1,500||£3,000|
|Loss of a finger||£500||£1,000|
|Loss of a big toe||£500||£1,000|
|Loss of a toe, other than a big toe||£200||£400|
|Maximum Permanent Disability Benefit payable for any one Accident||£10,000||£20,000|
|Full thickness burns which cover:||Standard Cover||Premier Cover|
|27% or more of the body||£500||£1,000|
|18-26% of the body||£350||£700|
|9-17% of the body||£200||£400|
|4.5-8% of the body||£100||£200|
|Up to 4.5% of the body||£50||£100|
|Maximum Burns Benefit payable for any one Accident||£500||£1,000|
|Standard Cover||Premier Cover|
|Where no other benefit is payable (per accident)||£50||£100|
We will only pay for the bodily injury you have suffered if it is directly as a result of the accident.
Single Standard Cover is £5.00 per month and Joint Standard Cover is £8.85. Single Premier Cover is £9.25 and Joint Premier Cover is £15.90 per month (including 6% Insurance Premium Tax).
Yes. If you suffer an injury you are covered, no matter where it takes place, as long as you reside in the UK and are not outside the UK for more than 180 consecutive days.
No medical examination is required to take out this Plan. We may ask you to attend one or more medical examinations after a claim if we do not have adequate information for a claims assessment.
Yes, as soon as we receive your correctly completed web application form and we process this.
You can notify us of a claim either by phone on 020 8662 8101 or in writing to: AIG Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH. Our opening times are 8.00am to 6.30pm Monday to Friday.