Personal Accident, Sickness and Travel Insurance

Coulson Pritchard in association with Caunce O'Hara have negotiated superb discounts with a major insurer that provides financial assistance should you suffer from an injury or sickness. This policy can also incorporate cover for travelling worldwide in any one year and holiday travel extensions for spouses/and or dependent children.

Why you need cover

Our Broking partner, Caunce O'Hara, has developed a scheme to provide financial assistance should you suffer from an injury or sickness. This policy can also incorporate exceptionally good value business cover for travelling worldwide (£57.50 per annum) in any one year and holiday travel cover extension for you, your spouse and/or dependent children (£32.50 per annum). Compare our prices! The accident and sickness cover is particular good value (starts at £107.50 per annum) and pays out £150 a week for up to 52 weeks (eg £7,800) after 7 days deferred period - There is no medical underwriting required either. Many contractors take this out in conjunction with Income Protection/PHI Insurance which pays out higher amounts in the event of a claim. This policy is designed for an individual Computer Contractor who would suffer financial hardship if he or she suffered from an injury or sickness, and which prevented he or she from carrying out their normal duties.

Premium Rates

Personal Accident and Sickness Cover Premium Rates
	Accidental Death & Disablement Benefit	Temporary Total Disability Benefit	Personal Accident Premium	Sickness Benefit (Optional)	Sickness Premium
Option 1	£20,000	£150.00 p/w	£32.50	£150 p/w	£75.00
Option 2	£40,000	£300.00 p/w	£62.50	£300 p/w	£150.00
Option 3	£60,000	£450.00 p/w	£97.50	£300 p/w	£150.00
Option 4	£80,000	£500.00 p/w	£150.00	£300 p/w	£150.00
Option 5	£100,000	£500.00 p/w	£175.00	£300 p/w	£150.00

Business Travel Cover
Benefits	Accidental Death & Disablement Benefit
Medical Expenses	£1m
Personal Effects	£2,000
Business Equipment	£2,000
Money	£1,000
Personal Liability	£1m
Replacement Expenses	£2,500
Repatriation	Unlimited
Completion of Journey Expenses	£1,000
Cancellation/Curtailment	£5,000
Hospital Expenses	£25 a day
Delayed Departure	£200
Premium	£57.50

Holiday Travel Cover
An extension to the Business Travel Cover is available for annual travel insurance that will provide cover for holidays taken by you, your spouse and your dependent children.
Premium	£32.50

Also, if may find our Professional Indemnity Insurance section of interest.

You may also find our Contractor Mortgages and NEW Contractor Mortgage Calculator and online instant Mortgage Assessor useful.

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