Contractor Personal Accident


Why buy a Larsen Howie Contractor Personal Accident policy?

Our Contractor Personal Accident product is one of the best, if not the best on the market for the trades we cover and the price we charge.  Our fully comprehensive policy offers the following cover as standard on an occupational basis i.e. the accident must happen during work time or travel to or from a place of work:

Benefits payable in respect of an accident:

  Bullet point   Choice of £50,000, £100,000 or £150,000 lump sum benefit (this is the total maximum payout - not per section)
  Bullet point   Death
  Bullet point   Loss of one limb
  Bullet point   Loss of two or more limbs
  Bullet point   Loss of sight in one eye 
  Bullet point   Loss of sight in both eyes 
  Bullet point   Loss of sight in one eye and loss of one limb
  Bullet point   Permanent total disablement (other than total and irrecoverable loss of sight of one or both eyes or loss of limb(s))
     Bullet point   Temporary total disablement of £250 per week - for up to 52 weeks (includes a 14 day waiting period).

pa contractor insurance


Benefits payable in respect of illness:

     Bullet Point    Loss of sight of both eyes
     Bullet Point    Permanent total disablement by paralysis only
     Bullet Point    Temporary total disablement

Major exclusions:

     Bullet Point    Illness, including sickness and disease, of any kind
     Bullet Point    A criminal act
     Bullet Point    Accidental bodily injury that happens outside the period of this insurance
  Bullet Point   Any condition whether diagnosed or not, for which you have sought advice, diagnosis, treatment or counselling
  Bullet Point   A chronic pain syndrome
  Bullet Point   Venereal disease or AIDS, AIDs related Complex or Human Immuno-deficiency Virus
  Bullet Point   Disablement arising from the interaction between bodily injury and another medical condition. 


With prices starting from just £50.00 (inclusive of Insurance Premium Tax), underwritten by one of the leading insurers in the UK, and with claims handled by one of the UK's leading experts, our Contractor Personal Accident Insurance policy is as good as they come.