• Worldwide cover
  • No credit agreements
  • No charges for paying by direct debit
  • No charges for missed payments or policy updates
  • Internal claims team for Kit Claims

Personal Accident Insurance

Personal accident policies are designed to offer you financial protection in the event of accident or injury. Service life brings with it an element of danger unmatched in the civilian world and the consequences of that danger can have a serious financial impact on both individuals and their families.

Personal accident insurance is strongly recommended by the Ministry of Defence in addition to the Enhanced Armed Forces Compensation Scheme. There are very few dedicated schemes still on offer to Servicemen and Women which provide genuine cover, on and off duty, at significant levels of benefits.

The scheme we have selected to provide is underwritten by Consortium of Lloyds insurers , and is a bespoke military product, offering generous levels of cover at a fair price. An outline of the cover is below.

Benefit Option 1 Option 2 Option 3
Section 1

1. Accidental Death
£10,000 £20,000 £40,000
2(i) Permanent Total Disablement from any and every occupation £20,000 £40,000 £80,000
(ii) Permanent Total Disablement from Usual Occupation (HM Forces Personnel only) £10,000 £20,000 £40,000
3. Loss of both limbs £20,000 £40,000 £80,000
4. Loss of both eyes £20,000 £40,000 £80,000
5. Loss of one limb or eye £12,500 £25,000 £50,000
6. Loss of speech £12,500 £25,000 £50,000
7. (i)Loss of hearing in both ears £15,000 £30,000 £60,000
(ii) Loss of hearing in one ear £7,500 £15,000 £30,000
Burns (up to) see Extension 4 £6,000 £12,000 £24,000
Fracture benefit (up to) £250 £500 £1,000
Section 2
Hospital Cash ( per day) - up to a maximum of 365 days in all £15 per day up to a maximum of £5,475 £30 per day up to a maximum of £10,950 £60 per day up to a maximum of £21,900
Section 3
Convalenscene (per week) - up to a maximum of 52 weeks in all £40 per week up to a maximum of £2,080 £80 per week up to a maximum of £4,160 £160 per week up to a maximum of £8,320
Section 4
Shrapnel Benefit £300 £600 £1,200
Section 5
Optional Term Life (Death by Natural Causes only) £10,000 £20,000 £40,000
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