Covering children against sporting
accidents and injury
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Most sports covered with optional motorsport cover
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Cover from just 28p per day!*
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Cruciate ligament and hospitalisation benefits
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Suitable for anyone aged 4-17
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* Without optional motorsport cover
Accidents happen!
With any physical activity, there is always an element of danger. And whilst your club or school will be doing all they can to protect your child, accidents can still happen.
From broken bones to serious life-changing injuries – whenever your child is injured it can disrupt family life and hit your pocket hard.
Affordable protection
This is why we’ve created the Personal Accident Plan. It pays lump sum benefits from a range of injuries – see the table opposite. With premiums starting from £8.34 a month, it’s great value and an essential consideration for any parent with children who take part in organised sports.
Monthly premiums and plan benefits
| Age 4-17 | Monthly Premium |
|---|---|
| WITHOUT motorsport cover | £8.33 |
| WITH motorsport cover | £16.39 |
Policy to be taken by an adult on your behalf.
| BENEFIT | |
|---|---|
| FRACTURE: | |
| Upper leg, vertebral body, pelvis or skull | £1,000 |
| Vertebra, lower leg, lower jaw, breastbone, shoulder blade, kneecap, upper arm or lower arm | £500 |
| Colla bone, wrist and collet fracture, ankle and Potts fracture, hand*, foot*, coccyx, rib(s) or nose | £250 |
| DISLOCATION: | |
| Spine or hip | £1,000 |
| Knee, ankle, wrist, elbow or collar-bone | £500 |
| Shoulder, jaw, finger, thumb or toe | £250 |
| DAILY HOSPITALISATION BENEFIT (paid for up to 45 days) | £25 |
| LUMP SUM HOSPITALISATION BENEFIT FOLLOWING 45 DAYS CONTINUOUS HOSPITALISATION | £250 |
| ANTERIOR CRUCIATE LIGAMENT | £500 |
| INTERNAL INJURIES RESULTING IN OPEN ABDOMINAL OR THORACIC SURGERY (excluding hernias) | £500 |
* Excludes all fingers and toes. ** Excludes the first 24 hours.
Answers to your questions
These are the main exclusions on this plan:
- Accidents during the first 14 days
- Motorsports and riding a motorcycle unless the Motorsports option has been chosen
- Professional sports
- Combat sports including MMA and boxing
You must be over 4 and under 70 years of age and resident in the United Kingdom, Isle of Man or Channel Islands. If you are under the age of 18, an adult will need to take out the policy on your behalf.
Include Motorsports cover and you will be covered whilst:
- Driving or being a passenger in a motor vehicle, whilst in a competition or race, or in any arranged event where the vehicle is driven at high speeds
- Riding on a motorcycle, moped or scooter as a driver or passenger.
“Fracture” means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor. Fracture does not include hairline fractures unless there is clear MRI or X-ray evidence and confirmed by your doctor. The maximum sum insured will be 25% of the relevant grade within your selected level of cover.
“Dislocation” means the displacement from their normal position of bones meeting at a joint requiring local or general anaesthetic or traction at a hospital, which is caused by an accident.
Our team is here to help answer your questions, whenever you’re ready!
Deborah Newton.
Head of Customer Care.