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Accident Insurance - probably the largest choice of
Accident Insurance in the UK!
Life is a risky business and accidents do happen,
whether at home, at work, on holiday or in the car. The potential
effects on our incomes and lifestyles are potentially devastating
and accident insurance is designed to give us some compensation
towards our expenses. Before insurers will issue an accident
insurance policy they will want to regulate the type of risk which
will be covered, and they will want to know whether or not you
propose to do anything which is, frankly, downright dangerous. If
you take out a normal policy and then go bungee jumping off a
mountain top and have an accident, it is likely that the insurance
company will not pay out for your personal injury claim, because
they will say that you have been reckless. If however you have
already specified when the policy was taken out that you intended to
do such a risky thing then they will already have allowed for it in
the premium and in the event of such an accident you would receive
the agreed payout. It is therefore absolutely vital that when you
take out an accident insurance policy you inform the insurance
company of all the potentially dangerous activities that you intend
to indulge in, whether these be as seemingly innocuous as skiing or
scuba-diving, or rather more hair raising pursuits like paragliding,
free fall parachuting or potholing.