Child Personal Accident Insurance for schoolchildren

BIBA (British Insurance Brokers Association) web-site

Children's personal accident insurance

Please note that this personal accident scheme has been withdrawn as at 1. June 2008

We apologise for the inconvenience. We are obtaining details of a new scheme and an application form will be produced shortly.

Being young is an adventure - everyday there is something new to do, to explore: unfortunately children rarely possess a sense of danger and no matter how careful you are they will have difficulties. Our child personal accident insurance policy is available to cover schoolchildren if they have accidents.

Have you considered the costs, emotional and financial of caring for a permanently disabled child? Your child may need specialist nursing and equipment, or 24 hour attendance. It may be necessary for one parent to resign from work with a subsequent loss of income for the family.

This simple and inexpensive children's personal accident insurance policy provides cash sums should the unthinkable happen. It provides:-

Cash lump sum Benefits in the event of accidental death, loss of eyes, loss of limbs or a permanent injury occurring anywhere in the world.
24 hour cover including accidents at school, nursery or similar pre-school groups, home and while playing most sports.

The benefits provided under the policy
Accidental Injury resulting in	Benefit Paid
Death	£2,500
Total loss of sight in one or both eyes	£75,000
Total loss or loss of use of one or both hands	£75,000
Total loss or loss of use of one or both feet	£75,000
Total loss or loss of use to: Thumb Index finger Any other finger Big Toe Any other Toe	£15,000 £10,000 £ 3,000 £10,000 £ 3,000
Which occurs within 2 years of the injury from which the claim arises
Permanent Total Disablement from any profession or occupation	£100,000
Total loss of hearing in both ears	£30,000
Total loss of hearing in one ear	£10,000
Loss of Speech	£30,000

Premiums for children personal accident: On or after 1 July 2007

Cover	Premium (inc IPT)	Policy Fee	Total Amount
1 child - Standard	£30.00	£12.50	£42.50
2 children - Standard	£50.00	£12.50	£62.50
3+ children - Standard	£70.00	£12.50	£82.50
1 child - Extended	£50.00	£12.50	£62.50
2 children - Extended	£80.00	£12.50	£92.50
3+ children - Extended	£120.00	£12.50	£132.50

Extended cover gives double benefits other than death

B. Portwood & Co Ltd do not earn any commission on the Insurance Premium.

This contract is only available for parents or guardians of children aged at least 1 and under the age of 18 who is NOT in full time employment and is a resident of the United Kingdom (UK), Channel Islands or Isle of Man

Main exclusions on the children's personal accident insurance policy

Intoxicating liquor or drugs
Any pre-existing ailment
Pregnancy, childbirth, miscarriage or abortion
Motor Cycling as a driver or passenger
Racing by horse, motor or motorcycle, mountaineering or rock climbing where ropes or guides are normally used, pot-holing, parachuting, flying except when travelling solely as a passenger, winter sports, rugby.
We may be able to cover dangerous sports for an additional premium - please add details on the contact form - e.g. rugby can be covered for £11.00 per child

Summary of cover

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Links to lists of our other main policies

B Portwood & Company Insurance Home Page - an overview of the site and types of policy on offer.
Financial and medical insurance - accident and sickness insurance, private medical health insurance, life, critical illness, mortgages

Accident insurance

If you have any further queries or need help or advice please contact us on 0870 7456247. We are always willing to help you with your requirements for our schoolchildren with our child accident insurance.