Personal Accident Insurance for arborist?

[Mr Oz]

Considering what type of job we are doing and how dangerous it can be,im thinking about geting a personal insurance cover+mortage cover:001_rolleyes:

my questionis what type of covers do you guys have

or if you have one or not and what sort of premiums

any firms you can recommend!!!

cheers:thumbup1:

[theflyingscotsman]

Howdy, two days ago I went through money supermarket and looked at personal accident cover... Illness and injury.... Went with a policy that paid out a grand a month for two years as soon as you produced a note from the doc's.

 

The monthly amount is just to cover bills and I didn't have to show monthly earnings which is handy as my business's are quite young..

 

Covered though for £23.99 a month.

 

A weight off the mind....

[Cloud9climber]

I have personal accident insurance, I actually got it for motocross but it covers you anywhere, doing anything pretty much! Reasonable payouts, £100 a night in hospital minimum £1000 for a broken bone, I pay £13 a month but there a better schemes, obviously for a little more money, this is with combined insurance. Did hear they were in trouble though so not sure we're you'd go about taking a new policy out

 

 

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[Andy Collins]

I've been with CICA for many years. They went through a very bad patch with sales techniques, but I believe they have sorted their system out. One thing I will say, on the couple of occasions I've found it necessary to make a claim they have done exactly what they promised, to the letter. When the chips are down they come up trumps. When things go wrong, the last thing you or your family need to worry about is if the insurance will cover you. I'm still with CICA, and probably will stay with them until I retire.

[Al North]

I was with combined insurance too but when it came to making a claim they were very poor. I had a suspected broken wrist - the doctors were convinced it was broken but it was a type of fracture that typically doesn't show up well on x-rays. Combined insurance would not take the doctors word for it and said they would only pay out if I could provide a copy of the x-ray clearly showing a fracture. I cancelled my policy with them soon afterwards.

[Steve Lewis]

Most of the trade brokers will be able to provide you with Personal Accident cover but you need to make sure you purchase the correct product.

 

The main difference is that if you are looking to cover a mortgage a Personal Accident policy may not be the best option as they tend to pay benefits for a set period ie; 104 weeks so in the event of something serious it's not going to do the job. The other option is income protection insurance, whilst this is more expensive the benefits will be payable until you return to work or reach pension age. Lycetts are able to offer both and I would happy to discuss these in more detail if need be, my number is 01483 489 291.