1a. What am I covered for?
We will pay you when you can't work due to any accident or illness. Your accident or illness must prevent you from doing the main activities of your occupation. By the main activities of your occupation, we mean the things which can't be reasonably left out of your role, or changed by you or your employer.
We will start paying you once we have approved your claim and you have been off work for two consecutive months.
1b. What am I not covered for?
You are covered for any accident or illness that means you can't work. However, there are a few things that you can't claim for:
- You suffer an accident or illness but are still working - We will not pay you if you have suffered from an accident or illness but are still working.
- You become unemployed - We will only pay you if you can't work due to accident or illness.
- You die - You cannot claim on your cover if you die.
- You are not working immediately before you claim - You cannot claim on your cover if you are not employed or self-employed just before you claim.
- You suffer an accident or illness caused by taking part in a dangerous activity - You are not covered for any potential claims that are caused by participation in the following activities:
- Flying (other than as a fare paying passenger)
- Sky diving, parachuting or hang gliding
- Motor sport or powerboat racing
- Competitive mountain biking
- Outdoor mountaineering or rock climbing
- Sailing, other than inland
- Diving or scuba diving at more than 40m
- Caving or potholing
- Base jumping, white water rafting or abseiling
- Heli or off-piste skiing
- Professional and semi-professional rugby and football
However, claims that arise from injuries caused by a one-off participation (such as charity events or experience days) may be considered.