Age

Q. Can you provide cover for children?

A. Yes, children’s personal injury insurance can cover children and those up to the age of 19.

Duration

Q. I want to take out accident cover for 6 months. Is this possible?

A. No, the policy is an annual policy but is also available for one specific day or several consecutive days. Once the policy has commenced and the cooling off period has expired, we cannot refund any premium if the insured terminates or attempts to terminate the insurance.

Groups

Q. Do I get a discount for a group booking?

A. Yes we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.

Cover Abroad - PLEASE NOTE

Q. Will a children’s personal injury insurance cover me abroad?

A. Whilst a children’s personal injury insurance is valid worldwide, it is not designed to replace travel insurance, it offers personal accident (death/disability cover) and liability cover. This means if you are injured whilst abroad, it will cover you for temporary or permanent disability, personal liability and any extras you have decided to include in the cover (like broken bone benefit). If injured abroad, no medical fees or repatriation costs are covered, so please attain a travel insurance policy when travelling abroad.

Postponement

Q. If I took out one day children’s personal injury cover for a specific event and the event was cancelled due to poor weather conditions, would the cover be transferable?

A. Yes, we allow one postponement, provided that we have confirmation from the activity centre that you undertook the activity with. To transfer cover, we would need to be contacted at the earliest opportunity and be given the new date.

Refund

Q. What if I change my mind after I purchase?

A. If the children’s personal injury policy does not meet your needs, DareDirect will refund your premium provided that you have not used the policy, have not made a claim and that you advise us within 14 days of purchase.

Residency

Q. I am moving out of the UK, will my children’s personal injury policy still be valid?

A. Yes, your policy remains valid until its natural expiry date. However, you will not be able to purchase another policy once you are no longer a UK resident.

Sports Definitions

Q. What is the difference in definition between Rock Climbing and Mountaineering?

A. Mountaineering would be defined as involving multipitch climbing, often staying out overnight and more than an hour from the nearest rescue centre. Intrinsic to Mountaineering, is equipment such as ice axes and crampons.

Sports Groups

Q. I cannot see my sport listed in any of the groups, can you still cover me?

A. We aim to cover all non motorised sports. If your sport is not listed then please contact us (0845 120 6410) and we will do our best to see if we can cover you.

Q. What happens if I need insurance for two different sports groups?

A. Simply take out a policy for the sport in the higher group and you will be covered for all sports in that and lower groups.