Protect yourself
Are you self-employed and worried about not being able to work through injury or illness?
Are you involved in sporting activities or pastimes that give you concerns that you could sustain an injury that prevents you from working?
At Ratcliffes we have a specialist Personal Accident scheme available to cover you both whilst in your occupation or carrying out your life in general. Our policy covers you 24 hours a day, whenever you need it.
Our policy provides you with cost effective cover backed by an A-rated Lloyd’s Syndicate and underwritten by Personal Accident specialists who have become market leaders in their field.
Accidents can have a devastating impact on your work and home life and having the right cover in place can help to reduce any financial burden.
There are two main areas of cover:-
Temporary Total Disablement Cover – If you are unable to work as a result of an injury, this cover helps provide you with a weekly income to help with your bills and overall cost of living. This is a key form of cover to have, especially if you are not eligible for Statutory Sick Pay.
Capital Benefits Cover – In the event of a serious debilitating injury or death a lump sum is paid out.
At Ratcliffes we have negotiated a standard excess/waiting period of 7 days as opposed to the standard of one month or more. We can also provide these policies at lower costs and shorter excesses than our competitors. Illness insurance is also available on request.
In addition, our scheme provides cover for Hospitalisation Costs, Home Adaption Expenses, Domestic Services Expenses, Retraining Expenses, Rehabilitation Expenses and more. See policy wording.
The cover is extremely competitively priced – you might be quite surprised.
