Personal Accident Insurance

What is Sorted Personal Accident Insurance?

If you live in the UK and are aged 18 to 69, you're guaranteed to be accepted for Sorted Personal Accident Insurance. It can give immediate financial cover for you or your family in the event of accidental death or if you are seriously injured in an accident.

You can choose a cash sum of £30,000 to £500,000, which could offer much needed support if you’re unable to work. Or, if the worst happens and you were to pass away as a result of an accident, your loved ones might need financial support to pay the rent or mortgage, or just meet day to day living expenses.

Go on, get it Sorted, receive a personal accident insurance quote today.

Benefits

  • Cash sum from £30,000 to £500,000
  • Just £6.81 a month for £40,000 cash sum*
  • For people who live in the UK aged 18-69
  • Guaranteed acceptance – no health questions, blood tests or GP visits
  • A cash sum is paid if you suffer an accidental death or a serious injury in an accident
  • Immediate cover from day 1
  • Flexible Policy you can change whenever you want

Things to think about

  • There is no cash-in value at any time
  • Inflation may reduce the value of your cash sum

*Based on an individual policy. Ts & Cs apply.

Sorted Personal Accident Insurance can give you or your family immediate financial protection if you suffer an accidental death or serious injury as a result of an accident.

If you like in the UK and are aged 18 to 69, there’s a cash sum from £30,000 to £500,000 which could help with the mortgage, rent, running a car and household bills.

Choose between a Single or Joint Policy, plus you can add optional Children’s cover to your Policy.

Sorted Personal Accident Insurance is flexible, so you can make changes to it at anytime. For example, if you want to include dependent children in the future, you can add them, or perhaps you want to increase or decrease your cash sum – that’s fine too.

Automatic cash sum increases: the Policy features a 5% automatic annual increase to your cash sum for your Personal Accident Insurance and any optional cover you have. It’s automatically added to your Policy on your Policy anniversary each year, for the next 10 years.

Example: If you’ve chosen a £100,000 cash sum, the next year you’ll be covered for £105,000. At the end of 10 years, as long as you don’t opt out of the automatic increase, your cash sum would be £150,000.

The cash sum increase is a great way of increasing your cover gradually over the years, for example, as your family grows. If you want to opt out of the automatic cash sum increase, just let us know. If you change your mind, you can always opt back into it within the 10 years; whatever suits you best.

Children’s cover

Children’s cover can help cover extra costs for things like medical expenses if your child was unfortunate enough to suffer one of the following serious injuries or illnesses; paralysis, blindness, deafness, loss of hands or feet, traumatic head injury, encephalitis or bacterial meningitis. The benefit is also paid in the event of accidental death.

Children’s cover lets you choose a cash sum from between £10,000 and £30,000 for each of your dependent children or your partner’s dependent children (if it’s a Joint Policy).

  • The child must be under 21 and live in the UK
  • Children’s cover will end after the child reaches age 21

Our optional cover can only be taken as part of the Sorted Personal Accident Insurance policy and not individually.

 

Download Sorted Personal Accident Insurance Key Facts and Terms & Conditions for more information on inclusions and limitations to the optional cover above

Sorted Will Pack

Receive a Will Pack with your Policy

When you take out a Sorted Insurance Policy, you will automatically receive a Will Pack from us for added peace of mind.

A will is a legal document that transfers assets following a death. It is essential if you want to make sure that your assets/estate, including your life insurance is handled as you wish and given to the right people.

Why is a will essential?

  • Acts as a legal document
  • Distribution of personal effects – including sentimental/intrinsic value items. Sometimes even close families find it difficult to share items such as heirlooms, antiques or jewellery
  • Distribution of property - including estate and finance
  • Appointing personal representatives – to administer your will and ensure your wishes are fulfilled
  • Appointing guardians for minor children – whether the estate is big or small you will want to ensure that if both parents pass away, your minor children will be looked after by someone you have personally selected
  • Providing information of your wishes upon death – whether you want to be cremated or buried for example.

Please note that if your financial or family situation is complicated, you should run your will past a legal or tax professional to ensure that you have filled in correctly

A few other things to consider before and after filling in your will:

  • Store your will in a safe place where it can easily be accessed upon your death
  • Must be competent and not under the influence when filling in
  • If you need to make changes to your will at a later date, you must sign it, have a witness present to sign and attach to original will. If the changes are major, you must start a new will
  • Update every three to four years to include any changed circumstances such as new births or new appointed guardians

Sorted PA Key Facts front cover

The Sorted Personal Accident Insurance Key Facts and Terms & Conditions document contains important information about the Personal Accident Insurance and the optional cover you can add to your Policy. It includes features, benefits, exclusions and limitations.

It’s very important that you read the Sorted Personal Accident Insurance Key Facts and Terms & Conditions document so that you have all the information you need to make an informed decision.

 

 

Things to think about

  • There is no cash-in value at any time
  • Inflation may reduce the value of your cash sum

Sorted Personal Accident Insurance pays a cash sum from £30,000 to £500,000 in the event of accidental death or accidental serious injury. This can give peace of mind knowing that the cash can be available to help secure your family’s financial future, or to help you on the path to recovery from an accidental serious injury.

If accidents happen and you are seriously injured, you could be unable to work whilst you recover. Or, if the worst happens and you were to pass away, your loved ones may need financial support to pay the rent, the mortgage, or just meet day to day living expenses.

Now’s a great time to get Sorted Personal Accident Insurance so you and your family may avoid money worries in the event of an accident.

Sorted Personal Accident Insurance will pay out your chosen cash sum in the event of your accidental death, or if you experience one of the following accidental serious injuries within 12 months of an accident; blindness, deafness or total and permanent loss of use of two limbs. The accidental serious injury must occur within 12 months of the accident, and only one Sorted Personal Accident Insurance cash sum is payable for each life insured.

The cash sum will not be paid if you suffer an accidental death or an accidental serious injury directly or indirectly as a result of any of the following:

  • engaging in any criminal activities or illegal acts
  • the consumption of drugs (unless it was under the direction of a Medical Specialist and not in connection with treatment for drug addiction or dependence)
  • the consumption of intoxicating liquor, including having a blood alcohol content over the prescribed legal limit whilst driving
  • engaging in any professional sport (meaning the life insured’s livelihood is substantially dependent on income received as a result of playing sport)
  • engaging in any motor sports as a rider, driver and/or passenger
  • war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion
  • being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft

If you live in the UK and are aged 18 to 69, you can choose immediate cover between £30,000 and £500,000.

With Sorted Personal Accident Insurance you are GUARANTEED to be accepted as long as you are aged 18 to 69 and living in the UK – there are no health questions, blood tests or GP visits.

Your Sorted Personal Accident Insurance Policy can be a Single Policy covering one life, or you can take out a Joint Policy that includes your partner too. Each life insured on the Policy can be covered for a different cash sum, so if, for example, one of you is the main breadwinner, they can be insured for a larger amount to cover all the expenses that they’re currently paying. Even if one of you doesn’t have an income, perhaps because they’re looking after the kids, it may be worth considering the cost of childcare and running the home, should that person no longer be there.

You can also add optional Children’s cover which provides a cash sum for each dependent child of the Policy holder or their partner (if it’s a Joint Policy). It’s to help cover extra costs for things like medical expenses if your child suffers any of the following serious injuries or illnesses; paralysis, blindness, deafness, loss of hands or feet, encephalitis, bacterial meningitis or traumatic head injury. The chosen cash sum is also paid in the event of accidental death.

You can choose your cash sum from £30,000 up to £500,000, which is paid in the event of accidental death or serious injury as a result of an accident.

The Personal Accident Insurance quote which Sorted Insurance gives you will depend on:

  • your chosen cash sum
  • whether or not you included optional Children’s cover
  • whether you selected a Single or Joint plan

For a small additional premium, Children’s cover can be added to your Sorted Personal Accident Insurance Policy. Children’s cover can help cover extra costs for things like medical expenses if your child was unfortunate enough to suffer one of the following serious injuries or illnesses; paralysis, blindness, deafness, loss of hands or feet, traumatic head injury, encephalitis or bacterial meningitis. The benefit is also paid in the event of accidental death.

Children’s cover lets you choose a cash sum from between £10,000 and £30,000 for each of your dependent children or your partner’s dependent children (if it’s a Joint Policy).

Yes - Sorted Personal Accident Insurance is flexible, so you can make changes to it at anytime. For example, if you want to include dependent children in the future, you can add them, or perhaps you want to increase or decrease your cash sum – that’s fine too.

The Policy features a 5% automatic annual increase to your cash sum for your Personal Accident Insurance and any optional covers you have. It’s automatically added to your Policy on your Policy anniversary each year, for the next 10 years.

Example: If you’ve chosen a £100,000 cash sum, the next year you’ll be covered for £105,000. At the end of 10 years, as long as you don’t opt out of the automatic increase, your cash sum would be £150,000.

The cash sum increase is a great way of increasing your cover gradually over the years, for example, as your family grows. If you want to opt out of the automatic cash sum increase, just let us know. If you change your mind, you can always opt back into it within the 10 years; whatever suits you best.

Yes, if you choose to add Children’s cover to your Sorted Personal Accident Insurance Policy, then the cash sum for this optional cover will also increase by 5%.

Accidental death means death occurring as a direct result of an accident, and where death occurs within 90 days of the accident.

Accident means an event resulting in bodily injury occurring whilst the Policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.

Your Sorted Personal Accident Insurance will expire after you reach age 74.

With Sorted Personal Accident Insurance, there is no waiting period - you’re covered immediately for accidental death or a specified serious injury as a result of an accident.

There are 3 ways for your family to make a claim in the event of your death:

  • Call us FREE on 0800 093 2854
  • E-mail us at service@Sortedinsurance.co.uk
  • Write to us at: Customer Services, Sorted Insurance, PO Box 4555, Slough, SL1 0TT

We will send out a claim form to be completed, signed and returned to us.

Note: If the claim is accepted, the insurer will pay the cash sum to the person who is legally entitled to it and they will refund any premiums paid between the date of death or confirmation of terminal illness, and the date the claim is paid.

Yes - you're covered immediately, 24/7, anywhere in the world for accidental death or serious injury as a result of an accident.

You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.

You can put your Sorted Personal Accident Insurance Policy into trust after you take out the Policy. If you are thinking about putting your Policy into trust, you should consider seeking legal advice on how best to do this.

When you take out a Sorted Personal Accident Insurance Policy, you will automatically receive a Will Pack from us. A will is a legal document that contains your instructions on how you want your property (including assets such as your home, car, cash, etc.) to be distributed after you have died.

Please see the Will Pack tab on this page for more information.

The Sorted Personal Accident Insurance product is provided by Scottish Friendly Assurance Society Limited, one of Scotland’s longest standing Life Insurers, who have over 150 years of experience, so you can be sure your Policy is in the right hands.

Nick and lyndsay 2

"We wanted to make sure we were covered if one of us was involved in an accident"

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