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Personal Accident Insurance

Accidents happen and, even though no-one likes to think about them, it’s good to know you’re prepared for the unexpected. Personal Accident insurance is designed to protect you should you suffer an injury from an accident that leaves you unable to work.

What could happen?

You may worry about how you and your family would cope if you were to suffer a serious injury, such as in a car accident, keeping you in hospital for a prolonged period of time. Likewise, if you are a Tradesman and suffered an injury whilst working on site, this could leave you unable to work for several months.

With Personal Accident cover in place, you would receive a lump sum or weekly pay-outs to help offset any resulting loss in income and would therefore help to meet your financial commitments should the worst happen.

How we can help?

We are able to help tailor a policy to suit your specific needs. We would usually encourage 24 hour cover so that you would have protection during leisure time, not just whilst working. The most common forms of cover would include the following:

• Lump sum payment if you sustain a physical injury as a result of an accident which results in death or permanent disablement (for instance £50,000, £100,000 or £200,000) • Weekly payments whilst you are temporarily not able to work because of injuries sustained as a result of an accident

Other forms of cover are sometimes available in conjunction with a Personal Accident policy including hospitalisation benefits, medical expenses and funeral exenses. Sickness insurance can also be obtained in certain circumstances.

Why customers choose Marlow Gardner & Cooke

We’re not a call centre, we don’t have call queues You talk to the same people; you know them, they know you We listen but also ask lots of questions; we tailor your solution around you We take ownership of problems and respond with solutions You can be confident your insurance has been set up correctly You can meet us face to face at our office or on site Our service includes risk management advice and claims support

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