Policy summary

The purpose of this policy summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still need to read the Personal Accident policy for a full description of the terms of the policy, including policy definitions. This summary does not form part of the Personal Accident policy.

The full terms and conditions will be found in your policy document which will be sent to you on receipt of your application.

Please use the links below to help navigate this page.

• Demands and Needs
• How long will the plan last?
• Significant Features and Benefits
• Significant Exclusions and Limitations
• Cooling-off period and your cancellation rights

• How to contact us
• More information
• About our insurance services
• The Direct Debit Guarantee

Demands and Needs

This Policy is designed to provide a cash sum if you are injured in an accident. By taking out this plan you will have demonstrated a need for insurance which could help you or your family financially if you are permanently disabled (as specified in the full policy) or die as a result of a covered accident.

You may need to review and update your cover from time to time to ensure that it remains adequate.

How long will the plan last?

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

Premiums are payable monthly.

Each monthly premium buys cover for the calendar month in which it is paid. Each annual premium buys cover for the following 12 calendar months after it is paid.

If any premium is not paid on the date it is due, cover will stop on that date if the premium is not received within 30 days.

Significant Features and Benefits

For a full list of benefits, please see the full policy.

Cash benefits vary depending on the nature of your injury and the level of cover you chose when you applied for cover.

The maximum amount payable under this policy in respect of any adult insured person is:

• Silver cover £125,000
• Gold cover £250,000
• Platinum cover £500,000

The amount payable for a fatal accident in respect of any adult insured person is:

• Silver cover £12,500
• Gold cover £25,000
• Platinum cover £50,000

Payment of any benefit is income tax free under current legislation but may be subject to inheritance tax or other taxation.

• Your acceptance into this plan is guaranteed as long as you are aged between 18 and 69 and resident in the UK.
• If you have to stay in hospital because of injuries sustained in a covered accident, the plan will pay £25 (Silver cover), £50 (Gold cover) and £100 (Platinum cover) for every day you are in hospital (up to a maximum of 6 months).

Significant Exclusions or Limitations

The full list of exclusions and benefit limitations is included in the Exclusions and Benefit Limitations sections of the policy.

The following are significant exclusions or limitations:

• No benefit is payable:
  • if it results from sickness or disease (Exclusions, section a).
  • if the accident occurs in a country where a state of war exists (declared or not) if the accident was a direct consequence of the war (Exclusions, section b)
  • if bodily injury is sustained while you are flying unless you are a fare paying passenger (Exclusions, section c)
  • if you take a drug or drugs (Exclusions, sections d and e)
  • if bodily injury is sustained while you are directly involved in an unlawful act (Exclusions, section h)
  • if the accident occurs whilst driving, or in charge of, a vehicle and your blood/urine alcohol level is above the legal limit stated in the laws of the country where the accident occurs (Exclusions, section K)
• Bodily injury resulting in the diagnosis of fibromyalgia (aching and stiff muscles), myalgic encephalomyelitis (ME), chronic fatigue syndrome, post-traumatic stress disorder, stress or other mental or emotional disorders is not covered (Exclusions, section j).
• Benefits for permanent disabilities covered by the plan will be reduced if you have an existing physical or medical condition which contributes to a permanent disability you suffer after an accident (see ‘Existing medical conditions’ section a and b).
• Only one benefit is payable for quadriplegia or paraplegia or the any work benefit or loss of both eyes or loss of both limbs or accidental death, and all cover stops from the date of payment (Benefit Limitations, section 2a).
• The ‘any work benefit’ does not apply to people aged 65 years and older and 15 years and younger (Benefit Limitations, section 2f).
• The in-hospital benefit is halved for people aged 65 years and older (Benefit Limitations, section 2e).
• Benefits for children are 10% of those shown for adults, except for the Fatal Accident Benefit which is £2,500, £5,000 or £7,500 depending on the level of cover selected (Benefit Limitations, section 2d).
• Benefits for injuries sustained while riding a motorcycle will be half of normal cover (Benefit Limitations, section 2h).

Cooling-off period and your cancellation rights

You can cancel this policy at any time. If you cancel this policy within 15 days of the first premium due date shown on the schedule, we will give you a full refund of any premiums paid, providing no claim has been made in that period, within 30 days from the date we receive notice of cancellation. If you cancel the policy after 15 days, no refund of premiums will be made.

How to contact us:

If you have any questions or if you wish to notify us of a claim, simply contact us at:

AIG Direct,
96 George Street,
Croydon,
CR9 1BU

Customer Helpline: 020 8662 8102
8.30am - 5.30pm Monday to Friday

Claims: 020 8662 8101
9am - 5pm Monday to Friday