Personal accident
Individual and business personal accident and illness from Groupama.
Please refer to the policy wording for full details of cover and applicable terms and conditions.
Overview
Individual Personal Accident and Illness is a competitive personal accident policy with flexible levels of cover that can be tailored to individual needs. Cover may be extended to include a selection of sporting pastimes and Continental Scale e.g. loss of fingers and toes.
Business Personal Accident and Illness is a comprehensive policy wording designed to protect a company’s employees. There are a wide range of flexible cover options available. The benefits may be requested as a set financial amount or as multiples or percentages of annual salaries or weekly wages.
Who is it for?
| Individual PA | Business PA | |
|---|---|---|
| Self employed and employed people with clerical and/or light manual occupations |  |
|
| Risks with between 2 to 300 employees | |
|
| Risks with employees based and registered in the UK | |
|
| Risks requiring the maximum benefit for any one life up to £1 million | |
Commission
- 20%
Minimum premium
- Individual Personal Accident and illness - £100 plus ITP
- Business Personal Accident and illness - £250 plus ITP
How to get a quote
Via our Personal Accident Underwriting Team in London on 0870 241 6182.
Cover
Standard package provides
| Cover | Individual PA | Business PA |
|---|---|---|
| Death | Lump sum - up to limit of five times annual gross salary | Lump sum - up to limit requested |
| Loss of limb or limbs | Lump sum - up to limit of five times annual gross salary | Lump sum - up to limit requested |
| Loss of sight | Lump sum - up to limit of five times annual gross salary | Lump sum - up to limit requested |
| Loss of speech | Lump sum - up to limit of five times annual gross salary | Lump sum - up to limit requested |
| Loss of hearing | Lump sum - up to limit of five times annual gross salary | Lump sum - up to limit requested |
| Permanent total disablement | Lump sum - up to limit of five times annual gross salary | Lump sum - up to limit requested |
| Temporary total disablement | Weekly benefit – up to limit of 75% of gross weekly wage. Payable up to a maximum of two years | Weekly benefit - payable up to a maximum of two years |
| Temporary partial disablement | NA | Weekly benefit - payable up to a maximum of two years |
| Illness | Weekly benefit – up to limit of 75% of gross weekly wage. Payable up to a maximum of one year | Weekly benefit - payable up to a maximum of one year |
Cover can be extended to include business travel
| Cover | Business PA |
|---|---|
| Medical and other expenses | Up to £5 million |
| Personal property and money | £2,500 (standard) subject to £1,000 for any one item and £1,000 for coins and bank notes |
| Replacement of essential clothing or toiletries | Up to £750 |
| Costs incurred in obtaining replacement essential documents | Up to £1,000 |
| Cancellation, curtailment and rearrangement expenses | Up to £5,000 for loss of deposits or prepaid charges. Higher limits on referral |
| Replacement personal expenses | Up to £2,500 |
| Personal liability | Up to £2 million limit of indemnity |
| Travel delay | £50 for the first 12 hours and £5 for each hour thereafter |
| Legal expenses | £25,000 each insured person |
Deferment period and excesses
| Deferment period and excess | Individual PA | Business PA |
|---|---|---|
| Temporary total disablement | 7, 14 or 21* days deferment period (varies by occupation) | 7, 14 or 21* days deferment period (varies by occupation) |
| Clothing and personal property | £50 franchise | £50 franchise |
* This can be increased for a premium reduction. We will also consider excess periods in place of deferment periods
Benefits
Policy benefits
For Business Personal Accident and Illness the policy cover can be tailored to the clients needs so that different status employees may have different levels of cover. This applies not only for benefit amounts but also for deferment / excess periods and operative cover times. While we usually look at providing cover to a maximum of five times annual earnings, we will consider alternative benefit limits.
| Benefit | Individual PA | Business PA |
|---|---|---|
| Clothing and personal property | Up to £150 | Up to £500 per person |
| Funeral expenses | Up to £5,000 | |
| Retraining expenses | Up to £5,000 | |
| Hospital benefit | £50 a day for up to 100 days | £50 a day for up to 100 days |
| Medical expenses (personal accident) | Up to 10% of the capital benefit or 20% of the weekly benefit, whichever is the greater, up to a maximum of £10,000 | |
| Kidnap and hijack benefit | Up to £2,000 | £200 per person per day up to £5,000 |
Business travel section automatically provides
| Benefit | Business PA |
|---|---|
| Funeral expenses | Up to £5,000 |
| Hospital benefit | £50 a day for up to 100 days |
| Replacement keys for insured's home | Up to £500 if lost, damaged, stolen or destroyed on a journey |
Literature
Broker toolkit
- Personal accident broker toolkit
Published: 20 October 2011 - Client leaflet: Why your business needs personal accident (PDF, 256Kb)
Published: 20 October 2011 - Client leaflet: Reasons to buy individual personal accident insurance (PDF, 280Kb)
Published: 11 April 2012
Individual Personal Accident and Illness
- Individual Personal Accident policy wording (PDF, 2870Kb)
Reference: GR594
Published: 8 November 2010 - Individual Personal Accident policy summary (PDF, 80Kb)
Reference: PSGR594
Published: 17 February 2011 - Individual Personal Accident proposal form (PDF, 1228Kb)
Reference: GR157
Published: 21 February 2011
Business Personal Accident and Illness
- Business Personal Accident policy wording (PDF, 5059Kb)
Reference: GR593
Published: 8 November 2010 - Business Personal Accident policy summary (PDF, 123Kb)
Reference: PSGR593
Published: 17 February 2011 - Business Personal Accident supplementary proposal form (PDF, 826Kb)
Reference: GR077
Published: 24 February 2011 - Business Personal Accident quotation form (PDF, 181Kb)
Reference: GR251
Published: 17 February 2011
Questionnaires
- Location and Wageroll split questionnaire (PDF, 51kb)
Reference: GR438
Published: 17 February 2011 - Travel pattern questionnaire (PDF, 54kb)
Reference: GR439
Published: 17 March 2011 - Diabetic questionnaire (PDF, 52kb)
Reference: GR440
Published: 21 February 2011 - Pilot / Private flying questionnaire (PDF, 62kb)
Reference: GR441
Published: 17 March 2011 - Hazardous sports questionnaire (PDF, 55kb)
Reference: GR442
Published: 21 February 2011 - Fitness to travel certificate (PDF, 47kb)
Reference: GR443
Published: 24 March 2011 - Declaration of health (PDF, 58kb)
Reference: GR444
Published: 21 February 2011
