Personal Accident - Frequently Asked Questions

We do not insure persons under 18 years or over 65 years

Yes, these include:

  • Aviation except for Air Travel
  • Diving necessitating the use of breathing apparatus
  • Football other than association football (soccer) as an amateur
  • Hang Gliding
  • Hunting, Racing or any other competition on horseback
  • Icehockey
  • Motor Competitions
  • Motorcycling as a rider or passenger on a machine with an engine capacity in excess of 50cc
  • Mountaineering, rock or cliff climbing
  • Parachuting
  • Pot Holling
  • Racing on wheels
  • Sport as a professional
  • Use of woodworking machinery for business purpose
  • Water ski jumping and tricks
  • Winter sports other than curling or skating
  • Wrestling, Boxing, Judo, Karate or any form of unarmed combat
  • Yatching beyond 5km of any coastline

Yes. Our personal accident cover excludes any claims arising from pregnancy including childbirth, miscarriage or abortion.

  • The excluded activities in question 2
  • Suicide or any attempted suicide
  • Wilful exposure to needless peril
  • Drug addiction or overdose
  • Illness or disease
  • pregnancy or childbirth
  • War and/or terrorism