How to make a claim

To claim, call the number shown in the policy summary and ask for a claim form - we will also send you a freepost envelope. Part A of the form should be completed by you and Part B should be completed by either your GP or the hospital consultant. Any fee charged for the completion of the form has to be paid by you. Then, simply send the completed form back to us in the freepost envelope.

If we need to obtain further medical evidence we let you know who we have written to and will keep you regularly updated on the progress of your claim. The cost of any additional reports will be paid by us.

Frequently Asked Questions

You should also refer to policy terms

1. Is Motorcycling Covered?

   Yes, the AIG DIRECT PersonalAccident does cover you should you be involved in an accident that causes permanent injury, death or 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.

2. Are Skiing Accidents Covered?

   Yes, the AIG DIRECT PersonalAccident does cover you while skiing.

3. Is riding a Jet Ski Covered?

   Yes, the AIG DIRECT PersonalAccident does cover you while riding a jet ski.

4. What is not covered?

   No benefit will be paid for injury, loss, or 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
   3. If you are under the influence of one or more drugs
   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 a diagnosis of fibromyalgia, myalgic encephalomyelitis [ME], chronic fatigue syndrome, post-traumatic stress disorder or any mental or nervous disorder.
   8. If it results from sickness or disease.
5. Do the Rates Go Up As I get Older?

   No, your rate will not increase because of your age. The only reason that premiums may increase will be as a result of an increase in the Government's rate of Insurance Premium Tax, which is currently 5%, or a general increase in rates.

6. To Whom Are the Benefits of the Plan Paid?

   All the benefits are paid to the person who is injured, unless they are children when they are paid to the policyholder. If the injured person dies, the benefits are paid to the insured person's estate.

7. When Is My Cover Effective?

   Your cover will be effective immediately.

8. Is This Life Insurance?

   No, this is a PersonalAccident cover which covers you for accidents resulting in a permanent injury, hospital stays over 24hrs and accidental death.