Personal Accident Insurance
Worried about injuries or illness impacting your ability to work? Concerned about injuries from your sports or hobbies?
Quick and Tailored Quotes
For those looking for instant peace of mind, our website offers quick quotes for select occupations. Don't see your profession listed? Don't worry. We specialise in tailoring policies to your unique needs, providing custom quotes in a flash.
Accidents can profoundly affect your work and personal life. Having the right coverage in place can ease financial strain.
24/7 Cover - At Work and Outside Work
At Ratcliffe's, we understand the need for swift solutions. That's why we've designed a specialised Personal Accident Insurance, providing coverage 24/7 during both work and daily life.
Backed By Lloyd's of London
Our policy provides you with cost effective cover backed by an A-rated Lloyd’s Syndicate and underwritten by Personal Accident specialists who have become market leaders in their field.
Our coverage spans two key areas:
Capital Benefit - Lump Sum
In case of severe injury or death by accident, a lump sum payout provides a financial cushion, ensuring peace of mind for your loved ones in an unfortunate event.
Notably, our scheme features a standard waiting period of 7 days, a significant improvement from the typical one month or more. We not only offer these policies at a more affordable cost than our competitors but also provide superior coverage.
Temporary Total Disablement - Weekly Income
In the event of an injury preventing you from working, this cover provides a weekly income to assist with bills and living expenses—especially beneficial if you're not eligible for Statutory Sick Pay.
Comprehensive Coverage
In addition, our scheme provides:
for Hospitalisation Costs, Home Adaptation Expenses, Domestic Services Expenses, Retraining Expenses, Rehabilitation Expenses, and more, our scheme is comprehensive.
Ready for instant peace of mind or a personalised quote?
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Discover the competitive pricing of our coverage – you might find it pleasantly surprising. Don't wait, secure your peace of mind today!
* All premiums are on a deposit basis, the Cancellation Clause, appertaining to the amount of premium that will be due back to yourself in the event of cancellation, can be found on the page 13 of the Policy Wording.