Gold, Gold Plus and Platinum personal accident cover can pay a benefit for death, permanent total disablement, loss of sight or loss of limb caused solely by an accident during your trip, where the policy’s 12-month requirements are met. Benefit amounts vary by policy level and age. There is no excess for the included personal accident. Claims must be notified within 12 months of the accident date. Exclusions include pre-existing injuries, sickness, disease or a gradually worsening physical or mental condition, and sporting, adventure or winter sports activities where personal accident cover is specifically excluded.
Gold, Gold Plus and Platinum personal accident can pay a benefit if an accident during your trip is the sole cause of death, permanent total disablement, loss of sight or loss of limb after 12 months.
What this article helps you do
This article explains what personal accident cover is for. It also explains the age rules, key definitions and main exclusions.
Applies to
- Applicable policies: AllClear Gold, Gold Plus and Platinum
- Trip type: Single Trip and Annual Multi-Trip policies.
- Who it applies to: People insured under the policy
- The accident must happen during your trip
- The outcome must still apply 12 months after the accident
Quick answer
- Personal accident applies to certain serious outcomes caused by an accident during your trip.
- The accident must be the sole cause of death, permanent total disablement, loss of sight or loss of limb.
- You can only claim under one personal accident outcome for the same event.
- Claims under this benefit must be notified within 12 months of the accident date.
- Personal accident may not apply for some sporting, adventure or winter sports activities where personal accident cover is specifically excluded.
- Personal accident benefit amounts
Gold personal accident includes:
- Death benefit, aged 16 to 75: £15,000.
- Death benefit, aged under 16 or over 75: £1,500.
- Permanent total disablement, aged 16 to 75: £25,000.
- Permanent total disablement, aged under 16 or over 75: not covered.
- Excess: Nil.
Gold Plus personal accident includes:
- Death benefit, aged 16 to 75: £15,000.
- Death benefit, aged under 16 or over 75: £5,000.
- Permanent total disablement, aged 16 to 75: £25,000.
- Permanent total disablement, aged under 16 or over 75: not covered.
- Excess: Nil.
Platinum personal accident includes:
- Death benefit, aged 16 to 75: £15,000.
- Death benefit, aged under 16 or over 75: £5,000.
- Permanent total disablement, aged 16 to 75: £30,000.
- Permanent total disablement, aged under 16 or over 75: not covered.
- Excess: Nil.
When personal accident can apply
Personal accident can apply if an accident during your trip is the sole cause of one of these outcomes after 12 months:
- Death.
- Permanent total disablement.
- Loss of sight.
- Loss of limb.
Permanent total disablement means the accident stops you from working in any job you are qualified for, lasts for 12 months, and is not expected to improve at the end of those 12 months, as decided by our medical adviser.
Key definitions
Loss of limb means permanent severance of an entire hand or foot, or total and permanent loss of use of an entire hand or foot.
Loss of sight means total and irrecoverable loss of sight. For both eyes, this means your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist. For one eye, this means the sight remaining after correction is 3/60 or less on the Snellen scale.
What is not included
Personal accident does not include claims for death, loss or disablement caused directly or indirectly by:
- Anything listed in the General exclusions. General conditions also apply.
- Sickness, disease, or a physical or mental condition that is gradually worsening.
- An injury that existed before the start of the trip.
- A claim not notified within 12 months of the accident date.
- Taking part in a sporting, adventure or winter sports activity where personal accident cover is specifically excluded.