AIG Direct

How can we help you?

It’s not easy to talk about cancer. We do have a team that’s happy to answer your questions over the phone – you can call us on 020 8915 1445. But we know that it’s good to take in information in your own time.
Here are some of the most frequently asked questions we hear about our Cancer Cover plan.

All Cancer Cover

What is All Cancer Cover?

All Cancer Cover is a cash plan designed to help you and your family better cope financially and practically if a positive diagnosis of cancer ever occurs.

How does it work?

Following the diagnosis of a covered cancer, All Cancer Cover will make a one-off payment to you and will give you access to our specialist Cancer Support Service, amongst other benefits. See the policy document for a full list of benefits and exclusions.

What cancers does the plan cover?

All Cancer Cover includes most cancers affecting men and women including lung, bowel, breast and bladder.

How does cancellation work?

You can cancel your policy at any time. Simply call 020 8915 1445, email aigdirect.queries@aig.com or write to: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

If you cancel your policy within the first 30 days, you will receive a full refund of premium paid

Who is this product for?

This product is designed to protect those aged over 18 and under 75. It's suitable for both men and women. You must be resident in the UK.

Will I still be covered if I have already had cancer?

Yes. But you won’t be covered for any cancer that was diagnosed before your effective date or any secondary cancer arising as a result of a previously diagnosed cancer. So if you’ve been diagnosed with cancer before you may not receive the cover you need.

Will I need to take a medical?

No, none of our cancer policies require a medical. However, we reserve the right to ask you to attend one or more medical examinations should you ever need to claim.

How does the support service work?

Our specialist team can provide information and advice about cancer, including state benefits, allowances, work related issues, appliances and equipment.

How does Cancer Cover work?

If you’re diagnosed with one of the cancers we cover, you’ll get a one-off sum of money that can help you pay for the everyday and unforeseen expenses. That’s things like extra heating to keep warm during and after treatment, transport to and from hospital, extra childcare and nutritional supplements. The money can be used however you wish to ease the financial burden - allowing you to focus on recovery.

What are the benefits?

We will pay:

  • £25,000 for invasive cancers with Standard Cover or £1,000 for related early stage cancers which have not spread.
  • £50,000 for invasive cancers with Premier Cover or £1,000 for related early stage cancers which have not spread.
  • £75,000 for invasive cancers with Platinum Cover or £1,000 for related early stage cancers which have not spread.
  • £100,000 for invasive cancers with Platinum Plus Cover or £1,000 for related early stage cancers which have not spread.

We’ll also pay a £50 a day hospital benefit for all 24 hour hospital stays required as a direct result of your diagnosis of cancer up to £4,500.

You will also have access to our support team, which is staffed by registered nurses who can provide information and advice about living with cancer, including benefits, allowances and specialist equipment. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

Which cancers does Cancer Cover deal with?

Cancer Cover provides a one-off sum on diagnosis of the following cancers:

  • Early stage cancers which have not spread other than in the breast
  • Skin cancer other than malignant melanoma
  • Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue in a primary site, except tumours described as being pre-malignant or non-invasive
  • Leukemia
  • Hodgkin’s lymphoma and Non-Hodgkin's lymphoma
  • Early stage cancer within the breast which has not spread
  • Malignant melanoma

The benefit payable for cancer 1 and 2 is £1,000. For all other cancers described, we will pay the one-off sum you choose for your policy – £25,000 with Standard Cover, £50,000 with Premier Cover, £75,000 with Platinum Cover or £100,000 with Platinum Plus Cover.

What’s invasive cancer?

Invasive cancer is a malignant tumour that’s characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue in a primary site. Examples are:

  • Leukaemia
  • Hodgkin’s lymphoma and Non-Hodgkin's lymphoma
  • Malignant melanoma
What’s not covered by All Cancer Cover?

We will not pay diagnosis benefits if you are diagnosed as having cancer within the 90-day waiting period or if you receive medical advice, have symptoms or tests, or receive any medication or treatment, for cancer within the waiting period.

All Cancer Cover doesn’t provide benefits for cancer if you have been diagnosed with the same cancer before your effective date.

We will not make a payment for a claim based on a diagnosis made by an insured person or a member of the insured person’s family. We will not make a payment for any tumours which are histologically described as pre-malignant.

There is no cover if you live outside of the UK.

All of the exclusions are shown in the Policy Documents.

Can I still be covered if I have already had cancer?

Yes. But you won’t be covered for any cancer that was diagnosed before your effective date or any secondary cancer arising as a result of a previously diagnosed cancer. So if you’ve been diagnosed with cancer before, you may not receive the cover you need.

I’m aware of pre-cancerous cells before taking out the policy, can I be covered?

If these cells develop into a covered cancer and it can be reasonably established that you knew about these cells before taking out the policy, you would not be covered.

What would my children be covered for?

Children are covered for the same cancers as adults.

Am I eligible?

You’ll need to be aged between 18 - 69 and resident in the UK.

You mention a counselling service, what’s that?

Our support team is staffed by registered nurses who can provide information and advice about living with the after effects of cancer, including benefits, allowances and specialist equipment. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

Can I cancel my Cancer Cover policy?

Yes, you can cancel your policy at any time. If you cancel within 30 days of receiving your policy you will be entitled to a full refund of that premium less any claims. We will provide the refund to you within 30 days from the date we receive your notice of cancellation.

If a policyholder cancels after the 30 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days, less any claims payment.

You can cancel your policy by calling us on: 020 8662 8195 or in writing to: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Will I need to take a medical?

No. There’s no medical needed to join, for any of our cancer policies. We reserve the right to ask you to attend one or more medical examinations at claims stage.

Can you offer any advice on whether this is the right plan for me?

We can’t advise you, but we are happy to answer your questions on product information.

Would my premiums increase as I get older?

Yes, when you move into the next five year age band. We’ll let you know in writing before your premium increases.

Up to what age would I be covered?

Provided you continue to pay the premiums, your cover can continue until the premium due date following your 75th birthday.

Where would my money go if I die?

The money would go to your legal representative.

Am I covered if I smoke?

Yes. You will be charged the smoker premium rates if you have smoked in the last 2 years but the benefits of the Plan are the same.

Am I covered during pregnancy?

Yes.

What are your opening hours/phone numbers?

If you have any questions about your policy please call Customer Services on 020 8915 1445.

Lines are open between 8:00am and 6:30pm Monday to Friday (excluding public holidays), or you can email Customer Services on aigdirect.queries@aig.com.

How would I make a claim?

You can call us on 020 8662 8101 or if you prefer, you could write to us at: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Would my payment be tax-free?

Yes. It is free from income tax, under current legislation, but may be subject to inheritance tax and other taxes.

Female Cancer Cover

Which cancers does Female Cancer Cover deal with?

Female Cancer Cover provides a one-off cash payment following the first diagnosis of the breast(s) cancer or one of the following female specific cancers:

  • one or both ovaries
  • the cervix
  • the uterus
  • the vagina
  • the vulva, or
  • one or both Fallopian tubes
How do these plans work?

Women diagnosed with breast cancer or one of six female specific cancers will receive a one-off cash payment that can help pay for extra and unforeseen expenses such as heating, transport and childcare

Why does the product only cover Female specific cancers?

Some cancers are specific to gender. We recognise that not everyone wants to commit their budget to our more extensive Cancer Cover plan – so we’ve created two gender specific plans that deal with fewer medical conditions. If you are interested in additional cover, you will find out all the information you need in the All Cancer Cover section of this website.

What are the main benefits of Female Cancer Cover?

If you’re diagnosed with one of the gender-specific cancers identified in your policy schedule, you will receive:

  • £25,000 for covered invasive cancers with Standard Cover or £1,000 for related early stage cancers which have not spread.
  • £50,000 for covered invasive cancers with Premier Cover or £1,000 for related early stage cancers which have not spread.
  • £75,000 for covered invasive cancers with Platinum Cover or £1,000 for related early stage cancers which have not spread.
  • £100,000 for covered invasive cancers with Platinum Plus Cover or £1,000 for related early stage cancers which have not spread.

We’ll also pay a £50 hospital benefit for all 24 hour hospital stays required as a direct result of your diagnosis of cancer up to £4,500.

You mention a counselling service. What is it?

Our support team is staffed by registered nurses who can provide information and advice about living with cancer, including benefits, allowances and specialist equipment. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

What's an invasive cancer?

For Female Cancer Cover an invasive cancer means a malignant tumour (a tumour where the cells are capable of growing and spread in an uncontrolled way and invading the adjacent tissue) which first appears in a covered organ.

Can I still be covered if I've already had one of the cancers described?

Yes. But you won't be covered for any cancer diagnosed before the start date of your policy, or any secondary cancer arising as a result of a previously diagnosed cancer. So if you've had cancer before, you may not receive the cover you need.

I already have a medical condition (such as diabetes, high blood pressure, arthritis or asthma). Can I still be covered?

Yes.

What would my children be covered for?

Female children can be covered for the same organs as women, and male children can be covered for the same organs as men.

Can I cancel my Female Cancer Cover?

Yes. You can cancel your policy by calling us on 0208 915 1445 or writing to AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

If you cancel within 30 days of starting your policy, any premiums you've paid will be refunded, less any claims. We'll pay your refund within 30 days of receiving your request to cancel.

For cancellations after 30 days:

  • if you pay monthly, we won't make any refund;
  • if you pay annually, we'll refund a proportion of your premium (less any claims), based on your cancellation date.
Will I need a medical?

No. You can take out Female Cancer Cover without a medical. If you make a claim, we may ask you to attend one or more medical examinations.

Will my premiums increase as I get older?

They'll increase when you move into the next five-year age band. We'll always let you know in writing before any change to your payments.

Up to what age will I be covered?

While you pay your premiums, you'll be covered until the premium due date that follows your 75th birthday.

Where would my money go if I died?

Your money would go to your legal representative.

Am I covered if I smoke?

Yes.

Am I covered during pregnancy?

Yes.

Are payments tax-free?

Yes. Under current UK law, payments are free of income tax. Other taxes may apply, depending on your circumstances.

What are your opening hours/phone numbers?

Customer Services are open 8am to 6.30pm Monday to Friday (excluding public holidays). If you have any questions about your policy please call Customer Services on 0208 662 8100.

How would I make a claim?

You can call us on 0208 662 8101 or if you prefer, you could write to us at: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Male Cancer Cover

Which cancers does Male Cancer Cover deal with?

Male Cancer Cover provides a one-off cash payment following the first diagnosis of the following male specific cancers:

  • Testicle/s
  • Prostate
  • Scrotum
  • Penis
How do these plans work?

Men diagnosed with one of the four male-specific cancers will receive a one-off cash payment that can help with extra and unforeseen expenses such as heating, transport and childcare.

Why does the product only cover male specific cancers?

Some cancers are specific to gender. We recognise that not everyone wants to commit their budget to our more extensive Cancer Cover plan – so we’ve created two gender specific plans that deal with fewer medical conditions.

If you are interested in additional cover, you will find out all the information you need in the All Cancer Cover section of this website.

What are the main benefits of Male Cancer Cover?

If you’re diagnosed with one of the gender-specific cancers identified in your policy schedule, you will receive:

  • £25,000 for covered invasive cancers with Standard Cover or £1,000 for related early stage cancers which have not spread.
  • £50,000 for covered invasive cancers with Premier Cover or £1,000 for related early stage cancers which have not spread.
  • £75,000 for covered invasive cancers with Platinum Cover or £1,000 for related early stage cancers which have not spread.
  • £100,000 for covered invasive cancers with Platinum Plus Cover or £1,000 for related early stage cancers which have not spread.
We’ll also pay a £50 hospital benefit for all 24 hour hospital stays required as a direct result of your diagnosis of cancer up to £4,500.
You mention a counselling service. What is it?

Our support team is staffed by registered nurses who can provide information and advice about living with cancer, including benefits, allowances and specialist equipment. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

What's an invasive cancer?

For Male Cancer Cover an invasive cancer means a malignant tumour (a tumour where the cells are capable of growing and spread in an uncontrolled way and invading the adjacent tissue) which first appears in a covered organ.

Can I still be covered if I've already had one of the cancers described?

Yes. But you won't be covered for any cancer diagnosed before the start date of your policy, or any secondary cancer arising as a result of a previously diagnosed cancer. So if you've had cancer before, you may not receive the cover you need.

I already have a medical condition (such as diabetes, high blood pressure, arthritis or asthma). Can I still be covered?

Yes.

What would my children be covered for?

Female children can be covered for the same organs as women, and male children can be covered for the same organs as men.

Can I cancel my Male Cancer Cover?

Yes. You can cancel your policy by calling us on 020 8915 1445 or writing to AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

If you cancel within 30 days of starting your policy, any premiums you've paid will be refunded, less any claims. We'll pay your refund within 30 days of receiving your request to cancel.

For cancellations after 30 days:

  • if you pay monthly, we won't make any refund;
  • if you pay annually, we'll refund a proportion of your premium (less any claims), based on your cancellation date.
Will I need a medical?

No. You can take out Male Cancer Cover without a medical. If you make a claim, we may ask you to attend one.

Will my premiums increase as I get older?

They'll increase when you move into the next five-year age band. We'll always let you know in writing before any change to your payments.

Up to what age will I be covered?

While you pay your premiums, you'll be covered until the premium due-date that follows your 75th birthday.

Where would my money go if I died?

Your money would go to your legal representative.

Am I covered if I smoke?

Yes.

Are payments tax-free?

Yes. Under current UK law, payments are free of income tax. Other taxes may apply, depending on your circumstances.

What are your opening hours/phone numbers?

Customer Services are open 8am to 6.30pm Monday to Friday (excluding public holidays). If you have any questions about your policy please call Customer Services on 0208 662 8100.

How would I make a claim?

You can call us on 020 8662 8101 or if you prefer, you could write to us at: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Heart Attack & Stroke Cover

How does Heart Attack and Stroke Cover work?

Following the occurrence of either a covered† heart attack or stroke, you’ll get a one-off payment that can help you pay for the everyday and unforeseen expenses. The money can be used however you wish to ease the financial burden. It’s important to know that you would not be covered by this plan if you have previously suffered a heart attack or a stroke.

What are the benefits?

You will receive a single cash payout depending on the level of cover you choose for a covered† heart attack or stroke.

  • £15,000 with Classic Cover
  • £25,000 with Standard Cover
  • £50,000 with Premier Cover

Within the first 90 days of your policy we’ll pay a hospital benefit of £50 a day for all 24 hour hospital stays required as a direct result of a covered† heart attack or stroke up to £4,500 and not the diagnosis benefit above.

What’s not covered by Heart Attack and Stroke Cover?

We will not pay the diagnosis benefit if you suffer a heart attack or stroke within the 90-day waiting period.

There is no cover if you live outside of the UK.

We will not make a payment for a claim without the appropriate medical evidence to confirm a covered† heart attack or stroke.

You would not be covered if you have had a previous heart attack or stroke.

Heart Attack and Stroke Cover won’t provide benefits if you suffer a heart attack or stroke caused by any pre-existing condition if it is reasonable for you to know or suspect a link at the time of taking out this policy.

for any of the following medical conditions or treatment:

  • Hypertension
  • Diabetes Mellitus (Type 1 & Type 2)
  • Raised Cholesterol
  • Coronary Artery Disease
  • Atherosclerosis
  • Symptoms of chest pain and palpitations
  • Angina
  • Coronary Angioplasty or Coronary Artery Bypass Graft (CABG)
  • Irregular heartbeat - specifically atrial fibrillation
  • Rheumatic Heart Disease
  • Congenital Heart Disease
  • Cardiomyopathy
  • Endocarditis
  • Heart Valve Disease
  • Transient Ischemic Attack (TIA or 'mini stroke')

See Policy Document for all terms and conditions.

Can I still be covered if I have already had a heart attack or stroke?

No, not for the same event.

What would my children be covered for?

Covered children will receive the same benefits as adults.

Am I eligible?

A policyholder and partner if included will need to be aged between 18 - 69 and resident in the UK and complete our medical declaration. The same applies to children except they must be below 18 years of age.

You mention a Care Advisory Service, what’s that?

Our support team is staffed by registered nurses who can provide information and advice about living with the after effects of a heart attack or stroke, including benefits, allowances and specialist equipment. They can also arrange therapy or counselling and links to support services such as local support groups or charities

Can I cancel my Heart Attack and Stroke policy?

Yes, you can cancel your policy at any time. If you cancel within 30 days of receiving your policy you will be entitled to a full refund of that premium less any claim payments. We will provide the refund to you within 30 days from the date we receive your notice of cancellation.

If you cancel after the 30 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days less any claims payment.

You can cancel your policy by calling us on: 020 8662 8195 or in writing to: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Will I need to take a medical?

No. There’s no medical needed to join. However we do have a medical declaration you need to complete in order to be covered.

Can you offer any advice on whether this is the right plan for me?

No we can’t advise you, but we are happy to answer your questions on product information.

Would my premiums increase as I get older?

Yes, when you move into the next five year age band. We’ll let you know in writing before your premium increases.

Up to what age would I be covered?

Up to the first premium due date following your 75th birthday or 18th birthday for a child.

Where would my money go if I die?

The money would go to your legal representative.

Am I covered if I smoke?

Yes. You will be charged the smoker premium rates if you have smoked in the last two years but the benefits of the Plan are the same.

Am I covered during pregnancy?

Yes.

What are your opening hours/phone numbers?

Customer Services are open 8am to 6.30pm Monday to Friday (excluding public holidays). If you have any questions about your policy please call Customer Services on 020 8915 1445.

How would I make a claim?

You can call us on 020 8662 8101 or if you prefer, you could write to us at: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Would my payment be tax free?

Yes. It is free from income tax, under current legislation, but may be subject to inheritance tax and other taxes.

Personal Accident Cover

Am I eligible?

Yes as long as you’re aged 18-69 years and permanently resident in the UK.

What does the Plan cover me for?

The Plan pays out a cash sum if you have an accident leading to the following:

  • Death
  • Permanent disability
  • Full thickness burns
  • Specified fractures
  • Specified dislocations
  • Physiotherapy
  • Hospitalisation

Children have reduced cover and are not covered for some benefits. Please see Policy Wording for full benefits details.

What are the maximum cash benefits?

For the most serious injuries, the maximum amount payable per insured person is;

Adult Child
Silver £125,000 £12,500
Gold £250,000 £25,000
Platinum £500,000 £50,000

Cash sum payouts are free from income tax under current legislation.

What are the benefits payable under the Plan?

The policy provides a range of benefits, including the following:

Item Description Benefit Level
Silver* Gold* Platinum*
1) Accidental death £12,500 £25,000 £50,000
2) Quadriplegia £125,000 £250,000 £500,000
3) Paraplegia £62,500 £125,000 £250,000
4) Permanent total disablement £50,000 £100,000 £200,000
5) Loss of limb:
a) two or more £50,000 £100,000 £200,000
b) one £25,000 £50,000 £100,000
6) Loss of sight:
a) in both eyes £50,000 £100,000 £200,000
b) in one eye £25,000 £50,000 £100,000
7) Loss of hearing:
a) in both ears £12,500 £25,000 £50,000
b) in one ear £5,000 £10,000 £20,000
8) Loss of:
an entire shoulder, elbow, hip, knee, wrist or ankle
£5,000 £10,000 £20,000
9) Loss of:
a) one entire thumb £3,750 £7,500 £15,000
b) one entire forefinger £3,750 £7,500 £15,000
c) any other entire finger or one big toe £3,750 £7,500 £15,000
d) any other entire toe £500 £1,000 £2,000
10) Loss of the entire spine (vertebral column) with no injury to the spinal cord £15,000 £30,000 £45,000
11) A permanent disability not otherwise provided for under benefits 2-10 above (see 'Section 8 - Non specified injuries') up to a maximum of: £50,000 £100,000 £200,000
12) Full thickness burns which cover:
a) 27% or more of the body surface £2,500 £5,000 £10,000
b) 18-26% of the body surface £2,000 £4,000 £8,000
c) 9-17% of the body surface £1,500 £3,000 £6,000
d) 4.5-8% of the body surface £750 £1,500 £3,000
e) up to 4.5% £250 £500 £1,000
13) A fracture to:
a) one or more bones of the leg below the hip joint to the ankle joint (femur, patella, tibia and fibula bones) £375 £750 £1,500
b) one or more bones of the arm below the shoulder joint to the wrist joint (humerus, radius and ulna bones) £188 £375 £750
14) Dislocation of a:
a) hip £275 £550 £1,100
b) knee £175 £350 £700
c) wrist £125 £250 £500
d) elbow £125 £250 £500
e) ankle £50 £100 £200
f) shoulder £50 £100 £200
g) finger or thumb (one or more joints of a finger or thumb) £25 £50 £100
h) toe (one or more joints) £25 £50 £100
i) jaw £25 £50 £100
15) Physiotherapy considered medically necessary by a doctor following a valid claim under items 13 or 14 within 26 weeks of the fracture or dislocation.
Maximum cost of each session £30 £30 £30
Maximum number of sessions per accident 2 5 10
16) Hospitalisation as an inpatient (payable for up to 26 weeks following an accident). Amount per day £25 £50 £100

* The accidental death benefit for children is fixed at £2,500 (Silver cover), £5,000 (Gold cover) and £7,500 (Platinum cover). For children, benefits described in items 2-11 are 10% of the adult benefit levels shown in the table of benefits (children are not covered for items 12-16).

Who can I cover?

You can cover yourself and your partner or spouse if aged 18-69, you can also cover children from age 6 months up to 18 years, or up to age 23 if they are in full time education.

Are there any exclusions and limitations?

The following are significant exclusions or limitations:

  • Injuries resulting from sickness disease
  • Self inflicted injuries
  • Injuries resulting from alcohol and drugs
  • If you suffer bodily injury whilst on a motorcycle the amounts payable for all items claimed under this policy are reduced by 50%
  • If your injury is sustained whilst directly involved in an unlawful act
  • We will make only one dislocation payment per joint for the lifetime of a policy

The full list of exclusions are included in Section 5 and benefit limitations are included in Section 6 - of the Policy Document.

What if I want to pay annually?

You can make a lump sum payment if you prefer. Simply multiply the monthly premium you have chosen by 12 and send us a cheque for this amount. Please send your completed acceptance form and cheque made payable to AIG Direct to: AIG Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH.

Am I covered for injuries away from work too?

Yes if you suffer a qualifying injury you are covered no matter where it takes place, as long as you are not outside the UK for more than 180 consecutive days.

Will I need to take a medical?

No medical examination is required to take out this Plan.

Am I covered immediately?

Yes, as soon as we process your completed application and this will be shown on your policy schedule.

How do I make a claim?

After an accident you must fill in a claim form. This is available on our website in the contact us section; by phone on 020 8662 8101 or by requesting one in writing to: AIG Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH.

Can I cancel my policy? How do I cancel my policy?

You can cancel your policy at any time. If you cancel within 15 days of receiving your policy (or within 15 days of the start date shown on your schedule if this is later) you will be entitled to a full refund of that premium as long as you have not made a claim.

If you cancel this policy after the 15 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days, as long as no claim has been made.

You can cancel your policy by phone on: 020 8662 8195 or in writing to: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Can you offer any advice?

We are unable to provide advice as to the suitability of the insurance Plan for your circumstances.

What are your opening hours / phone numbers?

020 8662 8101 Claims helpline 8.30am to 5.30pm Monday to Friday (excluding public holidays).

020 8915 1446 Customer helpline 8.00am to 6.30pm Monday to Friday (excluding public holidays).

Over 50's Accident Cover

Am I eligible?

Provided you are aged 50 years or over and permanently resident in the UK.

What does the Plan cover me for?

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.

What are the maximum cash benefits?

The maximum amount payable under this policy in respect of an insured person is £15,000 for Standard Cover and £30,000 for Premier Cover.

What are the benefits payable under the Plan?

The total cover benefits are:

FRACTURES
Fracture(s) to one or more bones of the: Standard Cover Premier Cover
Vertebral body of the spine (except coccyx) £2,500 £5,000
Pelvis £2,000 £4,000
Skull (excluding nose & teeth) £750 £1,500 
Breast bone £750 £1,500 
Shoulder (shoulder blade or collar bone) £750 £1,500 
Arm £750 £1,500
Leg £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
Rib cage £125  £250 
Hand (except fingers or thumb) £75  £150
Finger or thumb £75  £150 
Foot (except toes) £75 £150 
Toe £75   £150 
Nose £75   £150 
Total Fractures Benefit payable for any one Accident £15,000  £30,000 
DISLOCATIONS
Dislocation of a: Standard Cover Premier Cover
Vertebra of the spine (excluding slipped disc) £1,000 £2,000 
Hip £500 £1,000 
Knee £350 £700 
Wrist £250 £500
Elbow £250 £500 
Ankle £100 £200 
Shoulder £100 £200
Finger or thumb £50  £100 
Toe £50 £100 
Jaw £50  £100
Total Dislocations Benefit payable for any one Accident £ 1,000  £ 2,000 
PERMANENT DISABILITIES
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
BURNS
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
HOSPITALISATION
Standard Cover Premier Cover
Where no other benefit is payable (per accident) £50 £100 

Please note: All benefits are paid tax-free under current legislation, but may be subject to inheritance tax, or other taxation.

Can you tell me more about the hospitalisation benefit?

You are entitled to the hospitalisation benefit following an accident which 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.

The benefit payable per accident for Standard Cover is £50 and £100 for Premier Cover.

Who can I cover?

You can cover yourself and your partner or spouse if aged 50 years or over (see below for premiums).

Are there any exclusions and limitations?

Yes, general Exclusions and Limitations can be found in the Policy Document.

  • The following are significant exclusions or limitations. No benefit is payable:
  • If your injuries are the result of a sickness or disease.
  • If you deliberately or recklessly expose yourself to danger;
  • If your injuries are intentionally self-inflicted

We will only pay for the bodily injury you have suffered if it is directly as a result of the accident.

How much does the Plan cost ?

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).

Am I covered for injuries away from work too?

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.

Will I need to take a medical?

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.

Am I covered immediately?

Yes, as soon as we receive your correctly completed web application form and we process this.

How do I make a claim?

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.

Can I cancel my policy? How do I cancel my policy?

You can cancel your policy at any time. If you cancel within 15 days of receiving your policy (or within 15 days of the start date shown on your schedule if this is later) you will be entitled to a full refund of premium paid less any claims We will provide the refund to you within 30 days from the date we receive your notice of cancellation.

If you cancel this policy after the 15 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded less any claim payments on cancellation after 30 days, as long as no claim has been made.

You can cancel your policy by phone on 020 8915 1447 or in writing to: AIG Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH.

Can you offer any advice?

We are unable to provide advice as to the suitability of the insurance Plan for your circumstances.

What are your opening hours / phone numbers?

020 8662 8101 Claims helpline 8.30am to 5.30pm Monday to Friday (excluding public holidays).

020 8915 1446 Customer helpline 8.00am to 6.30pm Monday to Friday (excluding public holidays).

Claims

Is motorcycling covered?

Yes, the AIG Direct Over 50s Personal Accident Plan does cover you should you be involved in an accident that causes injury and hospitalisation (for at least 24 hours) while riding a motorbike. However, all benefits payable under the Plan are halved for accidents whilst riding a motorbike.

What is not covered?

No benefit will be paid for injury hospitalisation:

  1. If the accident occurs in a country where a state of war exists (declared or not) if the accident was the direct consequence of the war.
  2. While you are flying unless you are a fare–paying passenger on a commercial flight.
  3. If you take a drug or drugs for the treatment of drug addiction.
  4. If your injuries are intentionally self–inflicted.
  5. If you commit or attempt to commit suicide.
  6. While you are committing or attempting to commit a crime.
  7. If it results in fibromyalgia, myalgic encephalomyelitis [ME], chronic fatigue syndrome, post–traumatic stress disorder other anxiety disorder, any mental disorder or any disease of the nervous system.
  8. If it results from sickness or disease.
  9. If you cease to be a UK resident.

See policy document for all terms and exclusions.

Do the rates go up as I get older?

No, your rate will not increase because of your age.

To whom are the benefits of the Plan paid?

All the benefits are paid to the person who is injured.If the injured person dies, the benefits are paid to the insured person’s legal representative or executor.

When is my cover effective?

Your cover will be effective immediately once we process your completed application form.

Is this life insurance?

No, this is Personal Accident cover which covers you for accidents resulting in an injury and a hospital stay over 24 hours.