Sports Accident Plan
Our Sport Accident Plan provides a wide range of cash benefits in the event of accident and injury from sport.
When you take part in sport, your body’s on the line and at risk of injury. And when injury happens, it can cost you financially as well as physically. You may need some time off work to recover and you may also need help getting around. And that’s not to mention the repairs to equipment that you need to pay for, and the possibility of having to buy brand new gear to replace anything that can’t be fixed.
The costs involved in a sports accident can be enough to put you off the sport altogether, but we don’t think that’s right. We believe you should continue to enjoy your sport, safe in the knowledge that if a serious accident takes place, you’ll get money to help with your costs.
That’s why we’ve created the Sports Accident Plan. It’s been designed especially for sportspeople like you and includes a range of benefits to help you get back on your feet. Or saddle. So don’t be left behind, get covered today!
Plan highlights
The Sports Accident Plan pays you cash benefits if you suffer a specified fracture or serious injury while playing sports.
Sports Accident Plan
All the benefits from the Sports Accident Plan
| SCHEDULE OF BENEFITS | BRONZE | SILVER | GOLD |
|---|---|---|---|
| OUT OF WORK BENEFIT | £200 per week | £250 per week | £350 per week |
| This is payable for every full week that you’re unable to work following a sports accident. You’ll receive this benefit until you can return to work, up to a maximum of 26 weeks. No benefit is payable for the first 2 weeks of disablement. | |||
| HOSPITALISATION BENEFIT | - | £250 per week | £350 per week |
| This is payable for every full week you’re hospitalised following a sports accident. You’ll receive this benefit until you leave hospital, up to a maximum of 104 weeks. No benefit is payable for the first 2 weeks of hospitalisation. | |||
| COMA BENEFIT | - | £250 per week | £350 per week |
| This is payable for every full week you’re in a coma following a sports accident. You’ll receive this benefit until you regain consciousness, up to a maximum of 26 weeks. | |||
| SERIOUS INJURY BENEFITS | BRONZE | SILVER | GOLD |
|---|---|---|---|
| ACCIDENTAL DEATH | - | £25,000 | £35,000 |
| LOSS OF LIMB | - | £25,000 | £35,000 |
| LOSS OF SIGHT IN ONE OR BOTH EYES | - | £25,000 | £35,000 |
| PERMANENT TOTAL DISABILITY | - | £25,000 | £35,000 |
| ANTERIOR CRUCIATE LIGAMENT INJURY | - | £400 | £400 |
| ACHILLES TENDON RUPTURE | - | £400 | £400 |
| FRACTURE BENEFITS | BRONZE | SILVER | GOLD |
|---|---|---|---|
| UPPER LEG | - | £500 | £500 |
| LOWER LEG, KNEECAP, ANKLE, ARM, WRIST, SKULL | - | £250 | £250 |
| HAND*, FOOT*, SHOULDER BLADE, BREASTBONE, COLLAR BONE | - | £100 | £100 |
| A fracture means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor. *Excluding fingers and toes. | |||
Who is eligible to join?
To take out a Sports Accident Plan you must be:
- Between the ages of 17 and 60 inclusive
- Resident in the UK, Isle of Man or Channel
Islands - Employed and working for a minimum of 16
hours per week, or self-employed
What's not included?
These are some of the key exclusions
Where the accident does not result from participation in sports
Fracture benefits during the first 7 days of the plan
All combat sports and winter sports races
Selected extreme sports
Mountaineering and rock climbing
Professional sports
Please refer to the Policy Document for a full list of exclusions.
How do I make a claim?
Call the claims team on 0330 8667 2467.
The plan in action
John is an experienced motocross rider and races every week. Because of the risks associated with the sport and the fact that he has two dependent children, John decides to take out the Gold level of cover at a cost of £50 a month.
The following month, John is racing in a local time trial when he falls off his bike and takes a nasty fall. He fractures his upper leg and damages the front wheel of his bike in the process.
John is taken to hospital where he stays for a total of four weeks. Because of the seriousness of the fracture and amount of treatment he needs, he needs five weeks off work.
As he’s covered, John receives a total of £2,250 from his Sports Accident Plan. This is calculated as follows:
• Fracture to upper leg = £500
• Four weeks in hospital = £700 (benefits payable after 2 weeks)
• Five weeks out of work = £1,050 (benefits payable after 2 weeks)
John uses his payout to cover household bills and living expenses while he’s unable to work. Plus, he has money left over to fix and service his bike, getting it ready to race with again.
FAQ
› Between the ages of 17 and 60 inclusive
› Resident in the UK, Isle of Man or Channel Islands
› Employed and working for a minimum of 16 hours per week, or self-employed
› If you are paid the maximum aggregate benefit on this insurance policy
› If the policy is cancelled by you or the insurer
› If you do not pay your premiums when due
› If you die or cease to be a UK resident
› If you reach 61 years of age at the commencement date of the period of insurance
› In order to be eligible to renew your policy you must meet the criteria as set out in “Can I apply for this plan?”