Silver personal accident cover can pay one benefit if an accident during your trip is the sole cause of death, permanent total disablement, loss of sight or loss of a limb. Cover is subject to the policy’s age limits, assessment periods and exclusions.
What this article helps you do
This article explains the serious accidental outcomes covered under the Silver policy, including the benefit amounts, age rules and main exclusions.
Applies to
- Policy: AllClear Silver
- Who it covers: People named on the policy schedule
- When it applies: Following an accident during a covered trip
Quick answer
- You can claim for only one personal accident outcome arising from the same event.
- For someone aged 16 to 75, the death benefit is £15,000.
- For someone aged 16 to 75, the permanent total disablement benefit is £25,000.
- For someone aged under 16 or over 75, the death benefit is limited to funeral and other costs of up to £1,500.
- Permanent total disablement cover does not apply to anyone aged under 16 or over 75.
- There is no excess for these benefits.
| Benefit | Aged 16 to 75 | Aged under 16 or over 75 | Excess |
|---|---|---|---|
| Death | £15,000 | Up to £1,500 for funeral and other costs | Nil |
| Permanent total disablement | £25,000 | Not covered | Nil |
Tell our Claims team about any incident that may result in a claim within 30 days of your trip ending.
The personal accident section also excludes claims that are not reported within 12 months of the accident.
When personal accident cover can apply
The accident must be the sole cause of one of the following outcomes, subject to the policy’s 12-month assessment requirements:
- Death
- Permanent total disablement
- Permanent loss of a limb
- Total and irrecoverable loss of sight
Permanent total disablement
Permanent total disablement means that the accident prevents you from working in any occupation for which you are qualified.
The disablement must:
- Last for at least 12 months
- Not be expected to improve
Loss of a limb
Loss of a 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
Loss of sight means total and irrecoverable loss of sight.
The policy contains separate medical criteria for loss of sight in one eye and loss of sight in both eyes.
When personal accident cover does not apply
Personal accident cover does not apply when death, loss or disablement is caused directly or indirectly by:
- Sickness or disease
- A physical or mental condition that gradually worsens
- An injury that existed before the trip began
- A sporting or adventure activity for which personal accident cover is specifically excluded
- Anything covered by the policy’s general exclusions
All other policy conditions and exclusions also apply.
Still need help?
Read your policy documents for the full terms, conditions and benefit limits.
Eligibility requirements, policy terms and exclusions apply. Please refer to your policy documents for full details.
This information is for general guidance only and does not constitute medical advice.