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  Personal Accident Insurance


We are pleased to inform you that we have implemented a new group personal accident insurance for all our temporary staff. We value the work you do on our and other client’s behalf, and this insurance offers you protection whilst you are travelling directly between home and the workplace, and for any bodily injury sustained whilst you are at work.

Section 14 - Group Personal Accident (Temporary Workers) The Cover

The Insurers hereby agree with the Insured, to the extent and in the manner herein provided, that if the Temporary Worker sustains Bodily Injury whilst in pursuit of normal occupational duties on behalf of the Insured or whilst travelling directly between residence and place of employment, occurring anywhere within the Geographical Limits and during the Period of Insurance, the Insurers will pay to the Insured, or to the Temporary Worker’s executors or administrators, according to the Schedule of Personal Accident Benefits, after the total claim shall be sustained under this Insurance, subject always to the limits, terms, conditions and exclusions of this Section and the Policy.                                                                                                                                                      

Provided always that:

1. Benefits shall not be payable under more than one of the items of the Schedule of Personal Accident Benefits in respect of the consequences of the same Accident;

2. The total sum payable under this Insurance in respect of any one or more claims shall not exceed in all in any one Period of Insurance the largest amount under any one of the items contained in the Schedule of Personal Accident Benefits or added to this Insurance by endorsement.

3. The maximum payable under this section for any one Event is £100,000

 One Unit of Benefit

 1. Accidental Death Occuring within 2 years of the event giving rise to injury                

 2. Total loss or permanent total loss of use of one or more limbs.

 3. Total and irrecoverable loss of

  a) all sight in one or both eyes,*

  b) speech or,

  c) hearing in both ears. 25% of the specified benefit for total and irrecoverable loss of hearing in one ear.

4. Permanent Total Disablement. (other than specified in 2-3 above)  *£10,000
5. Temporary Total Disablement

Deferment Period of 14 Days
£100 per week (payable monthly for up to 104 weeks)                   

                   * occurring within 2 years of sustaining the Injury

Section 14 Exclusions

This Insurance does not cover death or disablement directly or indirectly resulting from or consequent upon:

1. war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power;

2. the Insured Person engaging in or taking part in:

a) naval, military or air force service or operations;

b) winter sports (other than skating and curling);

c) skin diving involving the aid of breathing apparatus, rock climbing or mountaineering normally involving the use of ropes or guides, potholing, parachuting, hunting on horseback, or driving or riding in any kind of race;

d) driving or riding on motor cycles or motor scooters other than mopeds;

e) any leisure pursuits organised by the Insured in the course of the Insured Person’s employment;

3. the Insured Person engaging in Air Travel, except as a passenger in a properly licensed multi-engine aircraft being operated by a licensed commercial air carrier or owned and operated by a commercial concern;

4. suicide or attempted suicide or intentional self-injury or the Insured Person being in a state of insanity;

5. deliberate exposure to exceptional danger (except in an attempt to save human life), or the Insured Person's own criminal act;

6. the Insured Person being under the influence of alcohol;

7. the Insured Person being under the influence of drugs or narcotics that are not lawfully available, unless prescribed for the Insured Person by a qualified medical practitioner;

8. any pre-existing defect, infirmity or disease.

Section 14 Conditions

1. If the Insured Person shall engage in any occupation in which greater risk may be incurred than in the occupation disclosed in this Insurance without first notifying the Insurers and obtaining their written agreement to the amendment of the Insurance (subject to the payment of such reasonable additional premiums as the Insurers may require as the consideration for such agreement), then no claim shall be payable in respect of any Accident arising out of or in the course of such occupation.

2. If the consequences of an Accident shall be aggravated by any physical disability or condition of the Insured Person which existed before the Accident occurred, the amount of any compensation payable under this Insurance in respect of the consequences of the Accident shall be the amount which it is reasonably considered would have been payable if such consequences had not been so aggravated.

3. Immediate notice must be given to the Insurers of any Accident of the Insured Person which causes or may cause disablement within the meaning of this Insurance, and the Insured Person must as early as possible place himself under the care of a duly qualified medical practitioner. Immediate notice must be given to the Insurers in the event of the death of the Insured Person resulting or alleged to result from an Accident. In no case will the Insurers be liable to pay compensation to the Insured or his representatives unless the medical adviser or advisers appointed by the Insurers for the purpose shall be allowed so often as may be deemed necessary to make an examination of the Insured Person.

4. Any fraud, mis-statement or concealment either in the Proposal on which this Insurance is based or in relation to any other matter affecting this Insurance or in connection with the making of any claim hereunder shall render this Insurance null and void and all claims hereunder shall be forfeited.

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