How much cover should I have?

This will vary depending on why it is required. Getting professional advice is useful for establishing how much protection you need and the most appropriate option to choose.

What happens if I can’t afford the cover?

When our advisers make recommendations they will take into account the budget you have available. If the solutions they recommended exceed your budget, they will help you to prioritise, making sure the money you have available is going as far as possible to meet your objectives.

Personal Accident and Sickness Cover

Name: Personal Accident and Sickness Cover
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

If you are unable to work due to accident or sickness, the bills will still need to be paid. If you have children to look after or loans to repay, the financial impact of being unable to work could be significant. Savings could be used up relatively quickly once your everyday expenditure has been covered, so planning for this is extremely important.

Most personal accident and sickness policies pay if there is loss of income due to an accident or sickness. There will usually be a deferment period before a claim can be made.

We have a range of products to suit your requirements and access to a panel of leading insurance products.

The Alan Boswell Group Difference

We aim to build long-term relationships with our clients. We’ll take time to understand your needs, search the market, and tailor a plan that suits you and find the best premium.

Personal accident and sickness cover adviser

Personal accident and sickness cover in detail

Cover can usually be taken out in the following ways:

Personal accident only
Personal accident and sickness

Choosing the correct options will depend on your circumstances. We will establish which level is most appropriate when making the recommendations.

Cover typically includes:

Accidental death

Loss of one or two limbs

Loss of one or two eyes

Permanent total disablement

Temporary total disablement (per week)

Temporary partial disablement (per week) sickness benefits

Total and irrecoverable loss of sight in both eyes

Permanent total disablement by paralysis

Homemakers can be covered – Insurers recognise that although this is not a paid occupation, someone else may have to be paid to do some of the jobs normally undertaken by a homemaker.

Physical contact sports or hazardous activities - These are more likely to lead to accidents so insurers may quote additional costs for these activities – they need to know what it is you do.

Limit on cover – Normally insurers will not offer cover for more than your net earned income. This is because the insurance is designed to replace income lost as a result of injury or illness.