Accident and sickness plan.
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Optional cover for high-risk sports
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Up to £1,500 monthly benefit without proof of income
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Monthly benefits from £500 to £2,500
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No medical required
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Suitable for the self employed
Providing an income should the worst happen
If you were injured, involved in an accident or unable to work due to an illness, what would happen to your income?
Our personal accident and sickness plan offers peace of mind for yourself and your loved ones, providing a monthly benefit for up to 12 months.
Eligibility
- You must be a permanent resident of the United Kingdom
- You must be between the ages of 18 and 64 on the Effective Date of the policy
- You are employed or self employed
- You must work a minimum of 16 hours per week
- To see the excluded occupations click HERE.
- For information on hazardous pursuits click HERE.
If you don’t meet these criteria, we can still help you.
Call us on 0333 355 2468 between 9am and 5pm Monday to Friday to speak to one of our friendly advisors or book an appointment HERE.
Premiums and Benefits
| Level of Cover | Monthly Benefit | Hospitalisation Benefit (per week) | Accidental Death Benefit | Monthly Premium EXCLUDING Hazardous Pursuits | Monthly Premium INCLUDING Hazardous Pursuits |
|---|---|---|---|---|---|
| Age 18 - 25 | |||||
| 1 | £500 | £100 | £10,000 | £8.19 | £13.31 |
| 2 | £1,000 | £150 | £10,000 | £16.38 | £26.61 |
| 3 | £1,500 | £200 | £10,000 | £24.57 | £39.93 |
| 4 | £2,000 | £250 | £10,000 | £32.76 | £53.24 |
| 5 | £2,500 | £300 | £10,000 | £40.95 | £67.06 |
| Age 26 - 35 | |||||
| 1 | £500 | £100 | £10,000 | £11.70 | £19.01 |
| 2 | £1,000 | £150 | £10,000 | £23.40 | £38.02 |
| 3 | £1,500 | £200 | £10,000 | £35.10 | £57.04 |
| 4 | £2,000 | £250 | £10,000 | £46.80 | £76.05 |
| 5 | £2,500 | £300 | £10,000 | £58.50 | £95.80 |
| Age 36-45 | |||||
| 1 | £500 | £100 | £10,000 | £13.37 | £21.73 |
| 2 | £1,000 | £150 | £10,000 | £26.74 | £43.46 |
| 3 | £1,500 | £200 | £10,000 | £40.11 | £65.18 |
| 4 | £2,000 | £250 | £10,000 | £53.49 | £86.90 |
| 5 | £2,500 | £300 | £10,000 | £66.86 | £109.48 |
| Age 46-64 | |||||
| 1 | £500 | £100 | £10,000 | £15.04 | £24.44 |
| 2 | £1,000 | £150 | £10,000 | £30.09 | £48.88 |
| 3 | £1,500 | £200 | £10,000 | £45.13 | £73.33 |
| 4 | £2,000 | £250 | £10,000 | £60.86 | £97.78 |
| 5 | £2,500 | £300 | £10,000 | £75.21 | £123.17 |
›› No proof of earnings required for £500, £1,000 and £1,500 monthly benefit plans.
›› £2,000 and £2,500 monthly benefit plans subject to 65% of taxable earnings
›› No medical underwriting / guaranteed acceptance
›› 12-month pre-existing medical exclusion
›› 28-day deferred period, 12-month benefit period
›› 14-day initial exclusion period (from the effective date of the policy)
Premiums include IPT at the current rate. Policy terms and conditions apply.
Why choose us?
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5 benefit levels to suit all budgets
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Immediate acceptance if age 18-64
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No proof of earnings required for £500, £1,000 and £1,500 monthly benefit plans
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Pays in addition to other incomes and insurance
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Hospitalisation and accidental death benefits included
Answers to your questions.
This type of insurance provides a monthly benefit if you can’t work due to sickness, accident or injury. It offers peace of mind for you and your loved ones, providing a monthly income for up to 12 months.
To buy cover now click HERE
There is a choice of 5 levels of cover to suit you, each level with increasing benefits ranging from £500 to £2,500.
We also offer immediate acceptance, if you’re between 18-64 years and there is no proof of income required for benefits of up to £1,500 per month (levels 1, 2 and 3) ensuring an easy application process and instant peace of mind.
We cover the self-employed and can include additional cover for dangerous sports.
Life insurance will pay out if you die but it won’t cover you in the event of a temporary loss of income due to an accident, injury or illness. With this type of cover, you have the assurance of a monthly income for up to 12 months.
Cover is immediate as long as you are aged between 18 and 64. The process only takes a few minutes. All you need to do to get started is apply online HERE.
Our insurance partners will insure most occupations including dangerous roles such as working at height, construction and engineering, offshore roles and even aviation. Additionally, we can obtain bespoke packages for the armed forces, commercial pilots and security service staff.
Please contact us about your requirements to ensure you receive the protection that is right for you, you can call one of our friendly advisors on 0333 355 2468.
Or book an appointment HERE
We can arrange cover for dangerous sports such as Rugby, Football, Motorcycle Enduro Riding, Motorcycle Track Days, Equestrian Events, Sailing, Skiing and many other sports.
Please contact us about your requirements to ensure you receive the protection that is right for you, you can call one of our friendly advisors on 0333 355 2468.
Or book an appointment HERE
The monthly cost will vary depending on your age, which level of cover you choose and whether you select the hazardous sports option.
Yes, we can refer you to a third-party team of financial experts at Mallory Financial Limited. If you’re looking for a mortgage, a secured loan or protection insurance, their friendly advisors will work with you to find the right solution for you.
The process of applying is quick and straightforward.
Click HERE to start your application. During the process, you will have the option to include some hazardous sports. Once completed, there is immediate acceptance if you’re aged 18-64.
Alternatively, you can speak to someone about your needs to ensure you receive the protection that is right for you, call one of our friendly advisors on 0333 355 2468.
Or book an appointment HERE
We offer immediate acceptance of all applications, however it will take a number of days for your policy to become effective.
There are no costs associated with applying for this type of insurance. The only cost will be the monthly payment you will make if you decide to go ahead with a plan.
It is really important that you contact us to update your policy if your circumstances change, such as if your salary increases or decreases. This is to ensure the amount of salary insured is accurate and will help to make any claim easy to process should you have an accident or fall ill.
You may cancel within 14 days of the purchase date or receipt of your policy documents (whichever is later) if you are dissatisfied for any reason or the policy does not meet your requirements and we will refund the premium. If a claim has been made or circumstances have occurred which may be the cause of a claim, no refund will be allowed and you must pay the full annual premium.
You or your insurance agent may cancel this policy after 14 days by sending us written notice. We will allow a pro-rata return of the annual premium. If a claim has been made or circumstances have occurred which may be the cause of a claim, no refund will be allowed and you must pay the full annual premium. To exercise your right to cancel, you or your insurance agent must contact us.
If you have any questions or concerns about this insurance in the first instance, contact Hive Insurance Services Ltd:
Telephone: 0800 028 0849
Email: enquiries@hiveinsure.co.uk
By Post: Unit 4 Ground Floor Bredon House, Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH
You must give notice to the Insurer of any occurrence likely to give rise to a claim as soon as practicable, but in any event within 30 days of such occurrence. Initial notification of any claim should be sent to:
Telephone: +44 (0)117 428 9556
Email: pmiClaims@omnyy.com
By Post: DWF Claims, 20 Fenchurch Street, London, EC3M 3AG
You must provide the Insurer with reasonable assistance and evidence concerning the cause and value of a claim.
As part of the initial notification it will help if You provide:
›› Your name, address and Your home and mobile telephone numbers
›› Personal details necessary to confirm Your identity
›› Your Policy number
›› The date of the incident
›› The cause of the injury or Sickness
›› Extent of the injury or Sickness, together with prognosis if known
›› Fit Note (Statement of Fitness for Work)
›› Any medical reports that are available
Our team is here to help answer your questions, whenever you’re ready!
Deborah Newton.
Head of Customer Care.