Additional Financial Protection Units

Q. I would like to top up the cover, can I do this?

A. Yes, you can increase your cover by buying additional financial protection units to increase your levels of cover; for loss of earnings. Each additional top up unit increases the benefit by £50 per week. Up to 10 additional 'top up' units can be purchased. However, we will only pay up to a maximum of 75% of your annual earnings and this is payable for up to 26 weeks, excluding the first 14 days.

Age

Q. Can you provide cover for children?

A. Yes, we have a specifically tailored children’s injury policy that offers benefits such as broken bone pay outs.

Q. I am 65. Can I still buy a Personal injury insurance policy?

A. Yes, Personal injury insurance can cover anyone up to the age of 69. An applicant over 70 cannot be covered.

Duration

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

A. No, the policy is either an annual policy or single/several consecutive day cover. 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.

Travel Cover - PLEASE NOTE

Q. Will a personal injury insurance cover me abroad?

A. Whilst personal injury insurance is valid worldwide, it is not designed to replace travel insurance; as it covers personal accident (death/disability cover) and liability. This means that if you injure yourself abroad it will not cover medical fees or repatriation. To make sure you have these benefits you will require travel insurance including sports cover, which can be found on our home page.

Postponement

Q. If I took out one day 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.

Residency

Q. I am moving out of the UK, will my 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.