INSURANCE FOR YOU | PERSONAL COVER

Personal Accident and Sickness insurance

Personal accident and sickness insurance, also known as personal injury insurance, is designed to pay out compensation if you suffer from a serious injury, death or sickness. It can protect you and your family against loss of income, and help them with bills and other expenses.

Ready to start your experience with us? Contact us

Why choose us?

Personal Service

Dealing with the same person from start to finish setting up your policy.

In The Right Hands

Assurance of extensive experience in the industry

Independent Advice

Using wide variety of insurers to get the best cover and premiums.

Covering Your Monthly Expenditure

Personal Accident and Sickness insurance helps you if you are unable to work due to health issues when the bills will still need to be paid. If you have children to look after or loans to repay, the financial impact of being unable to work could be significant. savings could be used up relatively quickly once your everyday expenditure has been covered, so planning for this is extremely important.

Covering Your Monthly Expenditure

Personal Accident and Sickness insurance helps you if you are unable to work due to health issues when the bills will still need to be paid. If you have children to look after or loans to repay, the financial impact of being unable to work could be significant. savings could be used up relatively quickly once your everyday expenditure has been covered, so planning for this is extremely important.

What Types Of Protection Are Available?

You can opt for different accident and insurance policies, including:

Short-term
This type of policy covers you if you’re unable to work for a shorter length of time – usually six to 12 months, although some policies offer cover for up to two years. Short-term policies are affordable and easy to buy but the cover is not as comprehensive as longer-term options.

Long-term
Long-term sickness protection covers you if you’re unable to return to work for more than a year and, in many cases, stays in place until retirement. As a result, the premiums are more expensive than with a short-term policy, but you have peace of mind that the bills will continue to be paid no matter how long you’re off work.

Have you ever wondered what you might do if you suffer an accident or injury that means you’re unable to work? Here’s everything you need to know about personal accident cover. Personal accident and sickness insurance is a very flexible product and the main consideration is the amount of benefit that you will require each week. The level of benefit that you choose will determine the cost of the policy. Weekly pay outs for temporary total disablement depends on the level of cover chosen

There is also an option to potentially cover you for accidental death or disablement, which can provide a lump sum payment to your beneficiaries if you die in an accident or to you if you suffer a permanent disabling injury. Everybody has their own unique circumstances and needs when it comes to Personal Accident and Sickness insurance.

Personal accident and sickness insurance covers against:

• An accident or injury at work
• Injury caused by violence
• Injury or death caused by a road traffic accident
• Total and permanent disability
• Injury caused by a slip or spillages
• Loss of (or loss of use of) body parts

It’s important to note that most policies include a deferred or ‘wait’ period before payments begin. With Personal Accident and Sickness covers, these deferred periods start at 7 to 28 days depending on your job.

Also, often people think that long-term accident and sickness insurance is the same as critical illness cover, but this isn’t the case. Critical illness insurance provides a cash lump sum in the event of you being diagnosed with a serious condition listed in the policy, whereas accident and sickness protection is designed to replace your income.

Accident and sickness insurance often excludes conditions such as stress, anxiety and back problems, as well as pre-existing medical conditions that you’ll be asked about when obtaining quotes.

For more information and a free quote from a dedicated Protection Consultant, please call Stacey on 01270 758057 or click below.

Did you know that almost one million British workers are off work at any one time due to accidents or ill health.  Research in to this suggests that only a quarter of workers in the UK could afford to pay the bills for just three months if they had an accident or long-term illness.

Get Started with your cover

All you need to do is get in touch and we will get back to you shortly

Latest News

Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.