Accidents can turn your world upside down. Personal Accident Cover from Open + Direct is an affordable policy designed to pay a lump sum to ease the financial burden in the event of an accident resulting in permanent injury.
The policy also pays out if you have a fatal accident helping to make life a little easier for your loved ones.
What Personal Accident will cover†
- Accidents at work – including dangerous occupations such as fire fighters, builders or roofers
- Road traffic accidents whilst driving your car – even if it’s your fault
- Accidents whilst gardening, doing DIY or playing amateur sports
- Worldwide cover
- Many dangerous hobbies e.g. scuba diving, mountain biking or surfing – even whilst on holiday
| Summary of cover |
| In the event of an accident you're covered for:† |
| Adult Accidental Death Benefit |
£60,000 |
 |
| Child Accidental Death Benefit (if family cover selected) |
£6,000 |
|
| Quadriplegia |
£120,000 |
|
| Paraplegia |
£100,000 |
|
| Permanent Total Disablement |
£100,000 |
|
| Permanent loss of sight in both eyes or loss of/ loss of use of two or more limbs |
£75,000 |
|
| Permanent loss of sight in one eye or loss of/loss of use of one limb |
£37,500 |
|
| Permanent loss of hearing in both ears or loss of speech |
£25,000 |
|
| Permanent loss of hearing in one ear |
£10,000 |
|
| Permanent loss of use of: |
|
| A shoulder, elbow, hip, knee, ankle, wrist or thumb |
£10,000 |
|
| Any finger or big toe |
£5,000 |
|
| Any other toe |
£1,000 |
|
| Hospitalisation (For a maximum 180 days after a minimum stay of 3 days) |
£75 per day |
How can Personal Accident help?
Money may not be able to cure you but it could ease the burden. You can use the money in the best way for you
- to cover everyday living expenses
- to pay bills, loans and childcare
- to pay for private home care
- to adapt your home
- to change your car
- for a wheelchair
Plus:
- Cover is available to all UK residents aged from 21 to 65
- No medical is required and no forms to fill in
- The policy runs for 3 years (although you pay monthly) and can be renewed until your 75th birthday
- Payment is simple – a monthly premium paid via direct debit with no interest
† Terms, conditions, exclusions, limitations apply. Please contact us or click quote to read the policy wording. Payment by direct debit required.
Personal Accident cover is underwritten by MMA Insurance plc. Swinton Group Limited, registered in England number 756681, which is connected for the purpose of the Insurance Companies regulations 1994 to MMA Insurance Plc and Gateway Insurance Company Limited. Registered Office: Swinton House, 6 Great Marlborough Street, Manchester M1 5SW. Authorised and regulated by the Financial Services Authority.