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Personal Accident Policy Summary - key facts

Personal Accident Policy Summary

Some important facts about your Personal Accident Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. Insurer: MMA Insurance plc Duration of the Policy: Three Years

Features and benefits included automatically	Significant exclusions or limitations	Policy section information can be found in
The injured party or their legal representative will be paid the relevant amount set out below in the event of accidental injury caused solely and directly by outward violent and visible means which within 12 months result in;	Cover will cease on the anniversary of your policy following your 75th birthday At the age of 70 the permanent total disablement benefit will not be payable and only 50% of all other benefits will be payable Suicide or intentional self injury Being under the influence of drink or drugs unless prescribed by a doctor, alcoholism, drug addiction, solvent abuse and wilful exposure to exceptional risk unless saving someone’s life Any physical, mental or medical condition which existed before cover started under this policy Pregnancy, child birth, miscarriage or abortion Illegal acts committed by you Declared or undeclared war Terrorism, as defined by the Terrorism Act 2000 The insured person serving on active duty in the armed forces Engaging in flying (except as a passenger), aerial activities, racing by horse or motor vehicle, motorcycling as a rider or passenger, mountaineering, abseiling or rock climbing, pot holing or caving, skiing or snowboarding, ice skating, tobogganing or ski jumping Travelling in a motor vehicle without using seat restraints as required by law Sickness, disease or medical disorder	Sections 1,2,3,4,5,6
Personal Accident Personal Accident + • Accidental Death £15,000 £60,000 • Quadriplegia £120,000 £120,000 • Paraplegia £100,000 £100,000 • Permanent Total Disablement £100,000 £100,000 • Loss of sight in both eyes or loss of 2 or more limbs £75,000 £75,000 • Loss of sight in one eye or loss of use of 1 limb £37,500 £37,500 • Loss of hearing in both ears or loss of speech £25,000 £25,000 • Loss of hearing in one ear £10,000 £10,000 • Loss of use of:     - a shoulder, elbow, hip, knee, ankle, wrist or thumb £10,000 £10,000 - any finger or big toe £5,000 £5,000 - any other toe £1,000 £1,000 • Confinement to hospital lasting a minimum of 72 hours and up to a maximum of 180 days £75 per day £75 per day
Once a year for each year during the term of the policy, the amount of cover under the policy will increase by an amount equal to 10% of the amount of cover applicable in the 1st year	Once a year for each year during the term of the policy, the amount of cover under the policy will increase by an amount equal to 10% of the amount of cover applicable in the 1st year	Section 6

Optional Cover

Your spouse or partner can be added to this policy under the same terms and conditions.

Cancellation right

You may cancel this policy within 14 days of receiving your documentation. If no claims have been made we will refund the premium you have paid. If a claim is made we will be entitled to the first monthly premium. If any other monthly premium is not paid when due, we have the right to cancel the policy with effect from the date the payment was due. You may cancel the policy at any time by telling us either in writing or by phone. We may cancel your policy at any time by giving 14 days notice to your last known address.

Making a claim

Written notice of any claim should be submitted to Swinton PA Unit, Its4me House, Rosary Road, Norwich NR1 4BX.

Customer Care

If you have any cause for complaint you should in the first instance contact either Swinton who arranged the policy for you or MMA Insurance plc which insures the risk. Please always quote your policy number. If after taking this action you are still dissatisfied, please write to the Chief Executive, MMA Insurance plc, Norman Place, Reading RG1 8DA. Should you then remain dissatisfied you may, short of court action, approach the Financial Ombudsman Service, at South Quay Plaza, 183 Marsh Wall, London E14 9SR. There are a few instances where the Financial Ombudsman Service is not able to assist and you must have allowed us the opportunity to resolve your complaint before the Financial Ombudsman Service become involved.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to receive compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances for the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% for the remainder of the claim, without any upper limit.

Statement of price

Total amount of the Premium: this Policy is paid for by Monthly Premiums. For Personal Accident, the Monthly Premium is £4.98 per month inclusive of Insurance Premium Tax, totalling £179.28 for the 3 year period or £9.96 per month inclusive of Insurance Premium Tax for joint cover, totalling £358.56 for the 3 year period For Personal Accident +, the Monthly Premium is £7.98 per month inclusive of Insurance Premium Tax, totalling £287.28 for the 3 year period or £15.96 per month inclusive of Insurance Premium Tax for joint cover, totalling £574.56 for the 3 year period Monthly Premium valid for: the duration of the Policy Fees, administrative charges and taxes payable (in addition to the Premium): nil, other than Insurance Premium Tax included in the Monthly Premium as specified above