Accidental Death Benefit features
- Automatic cover is in place if we don’t provide you with a decision when you’ve completed your application
- This cover ends once we’ve provided you with a decision on your application for life insurance
- If there’s a claim, we will pay-out up to £100,000 or the cover amount applied for, whichever is lower
- This covers you for accidental death, but won’t pay out if you die from natural causes, a pre-existing health issue or from suicide
What you need to know
An accident is where a bodily injury is sustained, caused by accidental, violent, external and visible means, which solely and independently of any other cause results in death. For this definition, the following are not covered:
- suicide, intentional and serious self-injury or an event where, in our reasonable opinion, you took your own life
- taking part or attempting to take part in a dangerous sport or pastime
- taking part or attempting to take part in an aerial flight other than as a fare paying passenger on a licensed airline
- committing, attempting or provoking an assault or criminal offence
- war (whether declared or not), riot or civil commotion
- complications and/or effects where there is a known and understood risk of surgical/medical procedures/medications
- taking alcohol or drugs (unless these drugs were prescribed by a registered doctor in the United Kingdom)
- being in control of a motor vehicle and acting in a dangerous or reckless manner, or drink or drug driving.
- where your application is to replace an existing policy with us, while you remain covered under the existing policy
- accidents that happened before your application
Why might I wait for a decision?
In certain circumstances we might not be able to provide you with an instant decision. In this situation we might ask for more details to help us process your application. This only happens with a small proportion of the applications we receive, and we attempt to make a decision as soon as we have received your additional details.
Making a claim for accidental death benefit
An accidental death benefit claim follows a similar pattern to a policy claim. However, unlike Life Insurance, we only require the applicant's personal details when a claim is made.
The pay out will form part of your estate and will be paid according to the terms of your Will, or if there is no Will, according to the rules of intestacy.