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Introducing Accidental Death and Fracture Cover

At Club Together, we know that becoming a concern to other family members can be a worry.  That’s why Club Together would like to introduce Avon Insurance, which is offering its Accidental Death and Fracture Cover to our members.

We all know that accidents can happen to anyone, at any time.  As well as the pain and disruption to your everyday life, the after-effects of a serious accident can also put unexpected financial demands on you and your family.

This valuable cover helps give you the reassurance of knowing that if you do hurt yourself, financial assistance could be available to you and your family to help deal with the practicalities of managing your fracture, and help maintain your standard of living.  Whether you need to make adaptations to your home, or arrange support and assistance, the money would be yours to spend as you think best. 

The cover offers up to £50,000 of accidental death cover and up to £50,000 for a specified bone fracture. Exclusions may apply - please click on "At a glance" for more information.

What do you want to do now?

£9.99 a month plus a free Welcome Gift

Club Together members can benefit from the Avon Insurance Accidental Death and Fracture Cover for £9.99 a month – plus a free Welcome Gift of £20 Marks and Spencer vouchers or £20 cashback.

This cover is quick and easy to arrange, with guaranteed acceptance for Club Together members and their family and friends aged 50 to 79 inclusive and who are UK residents.  There are no medicals or questions about your health. 

• For £9.99 a month, the Accidental Death and Fracture Cover could pay out a cash sum to help provide you with some financial security if you suffer certain fractures. To help you budget, the monthly premiums are fixed for as long as you want the cover and will never increase. (Includes Insurance Premium Tax.  If the Government changes this rate, we have the right to adjust your premium accordingly.)
• For instance, if you had a broken leg or hip, you may need to have adjustments made to your home, or need additional care.  The amount you receive will depend on the bone that you fracture.
• A cash sum of up to £50,000 is paid out to your estate if you should die as the result of an accident – money that could help with any outstanding expenses at a very difficult time.

It’s important to remember that if you stop paying premiums your cover will end and there is no cash in or maturity value.  Please be aware that this product automatically ends when you reach 90, so you won’t pay any premiums after that. 

You can cancel your policy at any time. If you do this within 14 days of receiving confirmation that your cover has been set up, we will refund any premiums collected under this policy. If you cancel after the 14 day cancellation period, your policy will finish when the next premium is due and we will not refund any premiums for this period.

What do you want to do now?

Things you need to know

The Avon Insurance Accidental Death and Fracture Cover offers you….

• A cash sum – if you have an accident and suffer a specified fracture, a fractured skull resulting in serious disability or die (Inheritance Tax may apply)
• Guaranteed acceptance – if you’re aged 50 to 79 inclusive and a UK resident. There is no medical nor any other health questions to answer
• Guaranteed fixed premiums – available for £9.99 a month to Club Together members and their friends and family.  It will never increase. (Includes Insurance Premium Tax.  If the Government changes this rate, we have the right to adjust your premium accordingly.)
• Peace of mind – this cover could help ease the financial worry on your loved ones if you should hurt yourself in an accident
• Quick and easy to arrange  - just download and print an application form here and send back to us at the freepost address on 'Apply now' tab
• £20 Marks and Spencer vouchers or £20 cashback as a Welcome Gift.  For full Terms and Conditions click here.
• Partner/spouse cover – for added reassurance, your partner/spouse can also apply, providing they are aged 50 to 79 inclusive and a UK resident

The cover will pay out a cash lump sum if you suffer a fracture, or even if you should die, as the result of an accident. Please note that the Accidental Death and Fracture Cover ceases at age 90.
Please see the table below for a list of benefits.

The benefit payable may be reduced if a pre-existing condition has caused or contributed to your bodily injury.

Things to keep in mind

Significant Exclusions
We will not pay any benefits for an accident that is directly or indirectly the result of:

• riding on a motorcycle or moped;
• certain dangerous pastimes;
• exposing yourself to danger:

• -	deliberatley (except in an attempt to save a human life); or
  -	when your judgement or actions are impaired while you are under the influence of alcohol, or any drug neither prescribed nor taken as prescribed by a doctor.

We will not pay you benefits if you have lived outside the United Kingdom, the Channel Islands or the Isle of Man for more than 12 weeks in total in the 12 months before the accident.

Limitations
The most we will pay in total for all claims under this policy is limited to an amount equal to the death benefit.

If, prior to your accident, you already had a sickness, disease, naturally occurring condition or injury that has contributed to your bodily injury then we will ask a doctor to assess the impact and we will reduce your benefit accordingly.

For a full list of exclusions and limitations see the Terms and Conditions.

The total cost of your cover
If you would like to work out the total cost of your cover, first calculate the amount you will pay over a year – simply by multiplying your monthly premium by 12. For example: a monthly premium of £9.99 x 12 payments = £119.88. You can then multiply this annual figure by the amount of years you pay for the cover.  For example, if you hold the cover for 10 years you will pay £1198.80.

What do you want to do now?

"Avon offers good value for money"

Club Together wanted to find out more about the Avon Insurance Accidental Death and Fracture Cover, before we were prepared to introduce the cover to our members. So as part of our usual Research, Review and Recommend policy, we asked Club Together panel member Tony Rose from the telent pension scheme to visit Andy Manson, Sales & Marketing Development Manager at Avon Insurance to find out more.

Tony: So what is the Avon Accidental Death and Fracture Cover?
Andy: Well, I would say that it is a variation of an existing product we’ve been running successfully for a number of years. It pays out in the event of death as the result of an accident and pays out a cash benefit for specified bone fractures. The nature of the injury will determine the amount of benefit that is payable.  It’s a variation because we’ve adapted an existing product in order to meet the needs of Club Together members.

Tony: How long has the product been available?
Andy: The original product has been available since 2001. This variation is new for Club Together members.

Tony: Do premiums go up as you get older?
Andy: No. There is a fixed premium for the entirety of the policy. So you can take it out at 50 and pay £9.99 per month and you’d still be paying £9.99 per month for the policy throughout the duration (all premiums include Insurance Premium Tax applicable at the current rate).

Tony: Is the £9.99 a month premium for an individual or for his family?
Andy: It’s for an individual. Your partner can take out a policy and, if eligible, they will be covered under their own name for an additional £9.99 per month. We’re happy to extend the offer to eligible friends and relatives of Club Together members.

Tony: There’s a cash payout for an injury?
Andy: I would say it is important to note here that this policy covers you for specified fractures, as opposed to being injured and suffering bruising, for example. When it comes to medical terminology we have to be very careful in terms of what we say is and isn’t covered. A dislocation isn’t covered for example, because it’s not a break in the continuity of bone requiring treatment in a hospital.
But yes, we have different levels of cash payouts that you would be entitled to, depending on what you have fractured. We have a table of benefits in our policy booklet that will clearly show the amount that you would be awarded and any exclusions that may apply. This will be available to all Club Together members who receive our information pack.

Tony: Does this include hospital benefit?
Andy: This particular product doesn’t: to include hospital benefit would have increased the monthly premium at which we could offer this product.

Tony: Are you only offering one level of cover?
Andy: Yes, we wanted to offer Club Together pension members a simple, straightforward policy offering, so we have agreed to offer just a single product, for a single, fixed monthly premium. This ensures that all readers know exactly what they are getting for their money.

Tony: What are the criteria to take out this cover?
Andy: There aren’t many criteria! To be eligible you have to be aged 50 - 79 and be a UK resident.

Tony: What questions does the application process have about one’s history?
Andy: It’ll ask you for your name, your date of birth, your address and your preferred payment method... but rest assured, we don’t need to know who your registered Doctor is nor will you need a medical examination upon application.

Tony: Do you ever contact your customer’s GP about anything?
Andy: The terms and conditions of the policy are such that when a claim is made we will provide you with a claim form and when you or your next of kin fill it in you/they are signing a declaration which then gives us permission to contact your GP. Only at the stage of claiming would we do that.

Tony: What sort of questions would you ask the GP?
Andy: We would initially ask them to confirm the nature of the fracture and if there were any pre-existing medical conditions that have caused/contributed to the injury received. And only if this is appropriate to the claim will it be approved and go through the process. Ordinarily nothing happens with the GP until that point.

Tony: Can you tell me more about the ‘living benefits’ as they’re being called? Could you talk a bit more about what they cover?
Andy: Yes, absolutely - the ‘living benefits’ in the policy include a comprehensive range of fractures resulting from an accident, from ankle or wrist to skull or neck injuries. Brain damage or serious disability associated with a fractured skull or neck are also covered.

Tony: Can we write in to cancel the policy? Is there any notification we would need to give?
Andy: Yes you can. You can write in or telephone to cancel your policy and it will end when the next premium is due. You can cancel at any point during the policy but if you cancel within the first 14 days you get back any premiums you may have paid.

Tony: What about complaints?
Andy: We have a dedicated complaints team here who will investigate any complaint thoroughly.

Tony: Part of my brief here is to make sure we get value for money. Barclays for example, offers a lower premium of £7.19 a month for very similar fatal accident cover. Can you comment on that for our members?
Andy: Unfortunately I cannot comment on other companies’ products. What I can tell you about Avon Insurance is that we undertake customer research and regular benchmarking of our products to make sure we are responding to a customer’s needs in the products that we offer. We place a lot of emphasis on ensuring we treat customers fairly by investigating each claim on its own merits and pride ourselves on having a UK based call centre.

Tony: Can you please just clarify what you are offering exclusively to Club Together members?
Andy: We’ve adapted an existing policy in order to meet the needs of Club Together members. What we’re offering exclusively for Club Together members is a package whereby they receive an extended eligibility age range when taking out the cover, cover for a longer period, up until age 90 the choice of one of two welcome gifts, £20 Marks and Spencer voucher or £20 cashback (after the payment of the third month’s premium) and also the opportunity to extend this exclusive package offer to friends and family.

Tony’s opinion

Honesty
There is no ‘small’ print’ whereby they can avoid meeting their responsibility to pay a genuine claim.

Price
Avon will insure up to 90 years old. So, if you are under age 80 and want insurance against accidental death and fracture, without the need to declare pre-existing medical conditions (but any relevant pre-existing condition could reduce the benefit), then Avon offer good value for money. Benefits are paid in addition to claims from other insurance policies.

Service
Avon has their own call centre and they demonstrated extremely fast response to a call.

Recognition
The Accidental Death and Fracture Cover is new and is being offered to Club Together members as an exclusive package, so an early acceptance of the offer could be beneficial.

Information
There is a lack of policy information on their web site as it has not been designed as a customer website, however the policy is fully explained in requested brochures.

Overall score 20/25

What do you want to do now?

Before you apply

Before you buy the Avon Insurance Accidental Death and Fracture Cover please read the full Terms and Conditions to ensure it is suitable for your own individual needs.  If there is anything you don’t understand or need help completing you application form then please call Avon Insurance on freephone 0800 473 0855*.

Applying is easy.

Avon Insurance will aim to send the Welcome Gift within 30 days after collecting your first three consecutive monthly premiums.  Please allow time for delivery.  For full Terms and Conditions regarding your Welcome Gift please click here.

This policy is underwritten by Avon Insurance plc. You need to review and update the cover periodically to ensure it remains adequate for your needs.

If you have a query about the policy once you have purchased the policy, for example, should you wish to make a general enquiry, lodge a complaint or to claim or cancel your policy, please call Avon Insurance on 01789 415 050*.  If you make a complaint and you’re not satisfied with the way in which Avon Insurance has dealt with it, the Financial Ombudsman Service may review the complaint if it’s referred to them by you. Full details are contained in Section 8 of the Terms and Conditions.

* Lines are open Monday-Friday 9am to 5pm excluding bank holidays. For security and training purposes telephone calls may be recorded and monitored.

Avon Insurance plc, (No. 209606). Registered in England. Registered Office: Tiddington Road, Stratford-upon-Avon, Warwickshire CV37 7BJ. Authorised and regulated by the Financial Services Authority. A member of the NFU Mutual group of companies and the Association of British Insurers.

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