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Personal Accident - Frequently Asked Questions

The following FAQ answers provide a brief summary of some of the policy's benefits and endorsements. For the full policy wording please read the PDF of the Policy Document.
1. Am I eligible? Back To Top
Yes as long as you’re aged 18-69 years and permanently resident in the UK.
 

2. What does the Plan cover me for? Back To Top
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.
 

3. What are the maximum cash benefits? Back To Top
The maximum amount payable under this Plan in respect of any insured person:
  
AdultChild
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.
 

4. What are the benefits payable under the Plan? Back To Top

 ItemDescriptionBenefit 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 accident2510
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).
 

5. Who can I cover? Back To Top
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.
 

6. Are there any exclusions and limitations? Back To Top
The following are significant exclusions or limitations:

 - Injuries resulting from sickness disease
 - Self inflicted ones
 - 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.
 

7. How much does the Plan cost? Back To Top
 
PremiumsSILVER COVERGOLD COVERPLATINUM COVER
Incl. Tax*Incl. Tax*Incl. Tax*
Individual£2.99£5.99£11.99
Individual & Children£2.99£5.99£11.99
Individual & Spouse£5.49£10.99£21.99
Whole Family£5.49£10.99£21.99
  
*Including 6% Insurance Premium Tax
Up to 8 children can be added to the policy.
 

8. What if I want to pay annually? Back To Top
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.
 

9. Am I covered for injuries away from work too? Back To Top
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.
 

10. Will I need to take a medical? Back To Top
No medical examination is required to take out this Plan.
 

11. Am I covered immediately? Back To Top
Yes, as soon as we process your completed application and this will be shown on your policy schedule.
 

12. How do I make a claim? Back To Top
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.
 

13. Can I cancel my policy? How do I cancel my policy? Back To Top
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. 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 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 Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH.
 

14. Can you offer any advice? Back To Top
We are unable to provide advice as to the suitability of the insurance Plan for your circumstances.
 

15. What are your opening hours / phone numbers? Back To Top
020 8662 8101 Claims helpline 8.30am to 5.30pm Monday to Friday

020 8915 1446 Customer helpline 8.00am to 6.30pm Monday to Friday