FAQ's - Personal Accident & Sickness Insurance
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If you
would like to speak to ourselves to get further advice about the cover
provided by the FWC Personal Accident and Sickness Insurance Scheme then
please do not hesitate to contact Shelley Davies or Mark Farrimond on
0844 815 6211
We have also put together the following list of Frequently Asked Questions which we hope will be of use to you.
| Q. | Why should I consider taking out Personal Accident Insurance? |
| A | If you are self employed and unable to work following an accident or illness who will pay your bills? Where will you get an income from? This policy will provide you with a regular income to allow you to look after your family as you would now. |
| Q | What cover does the policy provide? |
| A | It provides cover should you be off work for a short term or if you suffer from a permanently disabling injury. You will receive a payment of £175 per week for the time you are unable to work and £20,000 should you suffer a fatal or permanently disabling injury. In addition to accidents it also covers you for illnesses that prevent you from working. The policy covers you 24 hours a day. |
| Q | How many weeks will I get paid for if I am off work ill or after an accident? |
| A | You will be paid for 52 weeks from the start of the claim, however the first 2 weeks are exluded in all claims. Any sickness/illness claim occuring in the first 28 days of the policy is also excluded. |
| Q | What accidents and illnesses are covered? |
| A | All accidents and illnesses where you can provide a medical certificate from your GP to show that you are unable to work. It doesn't matter if the accident happens at home or at work. |
| Q | If I have an accident at home am I covered? |
| A | Yes you are. |
| Q | If I get the flu can I make a claim? |
| A | Yes, as long as you a signed off by your GP and the illness lasts longer than 14 days. |
| Q | How much will the premium be? |
| A. | Personal Accident only cover costs just £31.50 per person per year and Personal Accident & Sickness cover costs £157.50 per person per year. |
| Q | What is special about the FWC scheme for members? |
| A | The premiums are much cheaper than you will find anywhere else for your profession and the scope of cover is much wider. Many policies only cover you whilst you are at work. |
| Q | Can I cover all my staff? |
| A. | Yes, you can take out a policy for 1 or all your staff. Each policy is specific to each person. If you wish to take out a policy for more than 10 staff then you really should look at a Group Personal Accident policy. |
| Q | How long do I have to be off work before I can make a claim? |
| A. | The first 14 days of all claims are excluded. |
| Q | Do I need to pay the premium in full or can it be paid monthly? |
| A. | You can pay it in full or monthly. There is an 8% service charge made by the finance provider, Premium Credit Ltd to pay the premium monthly. |
| Q | How soon can cover be started? |
| A | You can take out cover immediately. Cover is subject to a satisfactorily completed proposal form which we will send to you or you can download here. |
| Q.. | Who is the insurance company behind the scheme? |
| A | The company providing the cover is Royal & Sun Alliance plc, a major insurer in the UK insurance market. |
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