Accidental Death Cover - Frequently Asked Questions (FAQs)

Who is the Accidental Death Cover plan for?
Why might I want Accidental Death Cover?
When will my Accidental Death Cover plan pay out?
How long will my Accidental Death Cover last?
Will I need a medical?
How do I take out Accidental Death Cover?
Can I take out cover for my partner too?
What is the maximum amount of Accidental Death Cover that can be provided?

You are eligible for this cover provided you are a UK resident (not Channel Islands or Isle of Man) and are aged 25 to 70, when you take out the plan.

We all like to believe that accidents won't happen to us, which is one of the reasons why many people fail to prepare for them financially. But have you thought how your family would manage for money if you should die unexpectedly?

The Accidental Death Cover plan provides a cash lump sum on death, which could give the people you care about some peace of mind and help them cope if the worst should happen to you. Remember that inflation will reduce the buying power of the level of cover you choose. This cover can be in addition to any other life cover you may already have in place. The cost of this cover starts from the equivalent of 10p a day.

It will pay out if you are injured in an accident, and then die as a result of that accident within a year, or within the remainder of the policy term if less.

As with all types of cover, there are some exclusions that you need to know about and these can be found in the Policy Conditions and Key Facts.

This is protection cover only, and has no cash in value at any time. Payment from this plan will normally go to your estate and may subsequently be liable to inheritance tax.

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It will last for ten years from the date we receive your Acceptance of Accidental Death Cover form. All you have to do is make sure that you pay the monthly premiums and you will be covered both in the UK and all around the world, 24 hours a day, every day, whether you are on business or on holiday. If you stop paying your premiums your cover will cease.

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No. You won't need a medical and there are no health questions to answer - your acceptance is guaranteed, provided you are aged 25 to 70, and a UK Resident, when your plan starts.

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Firstly make sure you have read and understood the Key Facts document and Policy Conditions. Then to start your cover, all you have to do is complete and return the Acceptance of Accidental Death Cover form to us, making sure that you have completed the direct debit section. Your cover will start as soon as we receive your form. That's all there is to it.

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Yes. It's important for both partners to be protected because, even if one of you isn't earning a salary, it's likely you both contribute to the household in other ways – such as looking after any children.

Your partner can benefit from the same high value cover by ticking the "Partner cover" box on the Acceptance of Accidental Death Cover form. Then your partner will automatically enjoy the same amount of protection that you choose.

Payment from joint cover will only be made once; on the first of you to die as a result of an accident. The policy will then end.  If you want cover if both of you die as a result of an accident, you will need to take out two separate plans.

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This plan allows you each to benefit from up to £50,000 of cover. The maximum amount of cover you can have at any time, on any one life on premium paying accidental death policies with us is £100,000. This could be achieved by both partners taking out a plan and including their partner in those plans.

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