Frequently Asked Questions

Yes as long as you’re aged 18-69 years and permanently resident in the UK.

The Plan pays out a cash sum if you have an accident leading to the following:
    
 - Death
 - Permanent disability
 - Full thickness burns
 - Specified fractures
 - Specified dislocations
 - Physiotherapy
 - Hospitalisation
 
Children have reduced cover and are not covered for some benefits. Please see Policy Wording for full benefits details.

The maximum amount payable under this Plan in respect of any insured person:
  

	Adult	Child
Silver	£125,000	£12,500
Gold	£250,000	£25,000
Platinum	£500,000	£50,000

Cash sum payouts are free from income tax under current legislation.

Item	Description	Benefit Level
		Silver*	Gold*	Platinum*
1)	Accidental death	£12,500	£25,000	£50,000
2)	Quadriplegia	£125,000	£250,000	£500,000
3)	Paraplegia	£62,500	£125,000	£250,000
4)	Permanent total disablement	£50,000	£100,000	£200,000
5)	Loss of limb:
a)	two or more	£50,000	£100,000	£200,000
b)	one	£25,000	£50,000	£100,000
6)	Loss of sight:
a)	in both eyes	£50,000	£100,000	£200,000
b)	in one eye	£25,000	£50,000	£100,000
7)	Loss of hearing:
a)	in both ears	£12,500	£25,000	£50,000
b)	in one ear	£5,000	£10,000	£20,000
8)	Loss of: an entire shoulder, elbow, hip, knee, wrist or ankle	£5,000	£10,000	£20,000
9)	Loss of:
a)	one entire thumb	£3,750	£7,500	£15,000
b)	one entire forefinger	£3,750	£7,500	£15,000
c)	any other entire finger or one big toe	£3,750	£7,500	£15,000
d)	any other entire toe	£500	£1,000	£2,000
10)	Loss of the entire spine (vertebral column) with no injury to the spinal cord	£15,000	£30,000	£45,000
11)	A permanent disability not otherwise provided for under benefits 2-10 above (see ‘Section 8 - Non specified injuries’) up to a maximum of:	£50,000	£100,000	£200,000
12)	Full thickness burns which cover:
a)	27% or more of the body surface	£2,500	£5,000	£10,000
b)	18-26% of the body surface	£2,000	£4,000	£8,000
c)	9-17% of the body surface	£1,500	£3,000	£6,000
d)	4.5-8% of the body surface	£750	£1,500	£3,000
e)	up to 4.5%	£250	£500	£1,000
13)	A fracture to:
a)	one or more bones of the leg below the hip joint to the ankle joint (femur, patella, tibia and fibula bones)	£375	£750	£1,500
b)	one or more bones of the arm below the shoulder joint to the wrist joint (humerus, radius and ulna bones)	£188	£375	£750
14)	Dislocation of a:
a)	hip	£275	£550	£1,100
b)	knee	£175	£350	£700
c)	wrist	£125	£250	£500
d)	elbow	£125	£250	£500
e)	ankle	£50	£100	£200
f)	shoulder	£50	£100	£200
g)	finger or thumb (one or more joints of a finger or thumb)	£25	£50	£100
h)	toe (one or more joints)	£25	£50	£100
i)	jaw	£25	£50	£100
15)	Physiotherapy considered medically necessary by a doctor following a valid claim under items 13 or 14 within 26 weeks of the fracture or dislocation.
	Maximum cost of each session	£30	£30	£30
	Maximum number of sessions per accident	2	5	10
16)	Hospitalisation as an inpatient (payable for up to 26 weeks following an accident). Amount per day	£25	£50	£100

  
* The accidental death benefit for children is fixed at £2,500 (Silver cover), £5,000 (Gold cover) and £7,500 (Platinum cover). For children, benefits described in items 2-11 are 10% of the adult benefit levels shown in the table of benefits (children are not covered for items 12-16).

You can cover yourself and your partner or spouse if aged 18-69, you can also cover children from age 6 months up to 18 years, or up to age 23 if they are in full time education.

The following are significant exclusions or limitations:

 - Injuries resulting from sickness disease
 - Self inflicted ones
 - Injuries resulting from alcohol and drugs
 - If you suffer bodily injury whilst on a motorcycle the amounts payable for all items claimed
   under this policy are reduced by 50%
 - If your injury is sustained whilst directly involved in an unlawful act
 - We will make only one dislocation payment per joint for the lifetime of a policy

The full list of exclusions are included in Section 5 and benefit limitations are included in Section 6 - of the Policy Document.

 

Premiums	SILVER COVER	GOLD COVER	PLATINUM COVER
	Incl. Tax*	Incl. Tax*	Incl. Tax*
Individual	£2.99	£5.99	£11.99
Individual & Children	£2.99	£5.99	£11.99
Individual & Spouse	£5.49	£10.99	£21.99
Whole Family	£5.49	£10.99	£21.99

  
*Including 6% Insurance Premium Tax
Up to 8 children can be added to the policy.

You can make a lump sum payment if you prefer. Simply multiply the monthly premium you have chosen by 12 and send us a cheque for this amount. Please send your completed acceptance form and cheque made payable to Chartis Direct to: Chartis Direct, 96 George Street, Croydon CR9 1BU.

Yes if you suffer a qualifying injury you are covered no matter where it takes place, as long as you are not outside the UK for more than 180 consecutive days.

No medical examination is required to take out this Plan.

Yes, as soon as we process your completed application and this will be shown on your policy schedule.

After an accident you must fill in a claim form. This is available on our website in the contact us section; by phone on 020 8662 8101 or by requesting one in writing to: Chartis Direct, 96 George Street, Croydon CR9 1BU.

You can cancel your policy at any time. If you cancel within 15 days of receiving your policy (or within 15 days of the start date shown on your schedule if this is later) you will be entitled to a full refund of that premium as long as you have not made a claim. We will provide the refund to you within 30 days from the date we receive your notice of cancellation.
            
If you cancel this policy after the 15 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days, as long as no claim has been made.
  
You can cancel your policy by phone on: 020 8662 8195 or in writing to: Chartis Direct, 96 George Street, Croydon CR9 1BU.

We are unable to provide advice as to the suitability of the insurance Plan for your circumstances.

020 8662 8101 Claims helpline 8.30am to 5.30pm Monday to Friday

020 8915 1446 Customer helpline 8.30am to 5.30pm Monday to Friday