What is Personal Accident Travel Insurance?
Personal accident cover may be different to what you imagine. If you have a mishap and fall over and break your wrist whilst travelling, that is covered under typical medical expenses.
Individual accident cover is different, and is, fundamentally, for loss of sight, loss of appendage, permanent partial disability or permanent total disability. Plus, accidental death.
You may need personal accident cover for yourself, or, if your employees travel on business for your company, you may need to consider personal accident insurance for them.
How would you fund legal costs and awards, if they are made against you in a personal accident travel claim?
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As a director or officer, why are you vulnerable to personal accident claims from employees?
Employees are increasingly likely to sue | Legal liability is shifting towards personal liability | Regulators are now more proactive in investigating companies.
If a director or officer is perceived to have failed in any of their duties, then a claim could come from any number of third party sources.
Why Ascend for your PA Travel Insurance?
At Ascend, we are constantly looking to improve our offering to our commercial clients. You will have likely considered cover for personal accident, whi;e travelling for business, however, have you ever thought about the level of cover provided by a standard policy and whether this can be improved upon?
Ascend are able to provide specialist programmes for your PA & Travel policies, and cover can consist of the following:
Travel
1. Medical and Emergency Travel Expenses, Rescue and Assistance
2. Legal Expenses – up to £50,000 to pursue compensation claims against third parties who have caused the insured injury
3. Personal Liability – up to £5 million settlement of costs or damages if the insured is sued for causing injury or damage
4. Personal Property – as selected
5. Cancellation, Curtailment, Travel Disruption, Replacement & Travel Delay
6. Vehicle Rental Cover – up to £1,000
Personal Accident
1. Death
2. Loss of Limbs
3. Loss of Eyes, Speech and Hearing
4. Permanent Disability
5. Temporary Disability
6. Personal Accident Support
Typical Claims
Frequently Asked Questions
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Who to speak to?
Eddie Carter
Please contact Eddie Carter, our PA & Travel broker, who has access to key underwriters and insurers in the sector. He can provide details on what will need covering and the type of policy that will suit your needs.
Eddie’s contact details can be found below or, if you would prefer, please complete the contact form at the bottom of this page and Eddie will contact you at your convenience.
Broker
Eddie.carter@ascendbroking.co.uk | Office: 01245 449065
