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Helps cover life's risks along the way
In the UK, approximately 6,000 people die in accidents in the home* and 18.5 million turn up at accident and emergency departments seeking treatment every year**.
Serious injuries can mean a costly and lengthy recovery and additional medical expenses. And, if you were to pass away, your family may need funds from personal accident insurance to help with paying off loans, or to meet day to day living expenses.
You could be covered immediately but remember, if you cancel, you won't get anything back.
*Source: Taken from the Royal Society for the Prevention of Accidents, August 2015
**Source: Taken from the Health and Social Care Information Centre, January 2015
Things to consider
*Based on an individual policy. Terms and Conditions apply.
Personal Accident Insurance is for UK residents aged 18 to 69 who are looking for a measure of financial protection in the event they suffer an accident that results in death or an accidental serious injury. Personal Accident Insurance pays a lump sum benefit to your loved ones if you die as the result of an accident, or the benefit is paid to you if you suffer an accidental serious injury.
Acceptance for personal accident insurance is guaranteed for all UK residents aged 18 to 69. Simply call us to find out more and to arrange your personal accident cover.
Serious injuries can mean a costly and lengthy period of recovery and rehabilitation. If you were to pass away as the result of an accident, your family may need the funds to help pay off loans, credit cards or simply meet daily living costs. Smart Personal Accident Insurance pays your chosen benefit in the event of your accidental death, or if, as the result of an accident, you experience one of the following injuries: Blindness, Deafness or Total and Permanent Loss of Use of Two Limbs.
Call us FREE on 0800 877 8818 to get a quote
Guaranteed acceptance for UK residents aged 18 to 69. From £30,000 up to £500,000 benefit. Your premium will only increase if your benefit level increases. Choose from single or joint plan options, plus optional Children’s cover. Our easy and quick over the phone application process also includes a 30 day cooling off period.
Is the policy flexible?
The Smart Personal Accident Insurance policy is flexible, so you can apply to make changes at any time, provided the appropriate premium is paid. For example, if you want to include children in the future, you can add them, or perhaps you want to make an increase or decrease to your benefit amount – that’s fine too.
What are automatic benefit amount increases?
The policy features a 5% automatic annual increase to your chosen benefit amount for your Personal Accident Insurance and any optional cover you have. It is applied automatically to your policy on your policy anniversary each year for 10 consecutive years from the policy start date.
For example, a benefit amount of £100,000 will increase by 5% to £105,000 after the first policy anniversary and will reach £150,000 after 10 years, as shown in the chart below.
The benefit amount increase is a great way of increasing your benefit amount over the years, for example, as your family grows. You will be sent a new schedule each year, which will show your new monthly premium recalculated based on the new benefit amount. At this point you have the flexibility of deciding to accept the increase, in which case you wouldn’t need to do anything, or you can let Smart Insurance know if you wish to opt-out of it. If you change your mind, you can still opt back in to the 5% benefit amount increases within the 10 years, whatever suits your needs best.
Smart Personal Accident Insurance helps provide your loved ones with financial protection should you have a serious accident. Personal accident cover is provided by one of Scotland’s longest standing Life Insurers, Scottish Friendly Assurance Society Limited. Acceptance is guaranteed if you're a UK resident between the age of 18 and 69.
Cover can be secured over a free call to our 0800 877 8818 number without the need for filling out any forms or having a medical examination or blood test.
The Key Facts document contains important information about Smart Insurance Personal Accident Cover and its features, benefits, exclusions and limitations. You can download it here. It is important that you read the Key Facts Document, as it contains important information about the insurance. You should only apply for this accident insurance policy if, having read the Key Facts Document, you believe that you are eligible to claim the benefits.
Personal accident insurance is subject to certain exclusions and limitations. These are also detailed in the Key Facts Document. You should ensure you understand these before taking out the insurance.
This document also contains a copy of the Smart Insurance Personal Accident Insurance Terms and Conditions. You should read these carefully so that you can be sure the insurance is suitable for you.
You can apply for this policy if:
Call FREE on 0800 877 8818
Or we can call you, if you complete the Call Me Now form. Our UK based customer service consultant will give you a quick, no-obligation quote and if you are happy, we will take your application further so you can be covered immediately. All you will need are your direct debit details.