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Personal Accident Insurance


What would you do if you had an accident and were unable to work? How would you cope financially?

It’s probably not a question you want to think much about. But when you’re self-employed, especially as a tradesperson, it’s not one you can avoid.

Don’t worry. If you’re covered by Personal Accident Insurance, you don’t need to worry about the financial side of recovering from an accident. This valuable policy steps in when you cannot work due to an accident and will pay out a tax-free lump sum of up to £50,000.

Personal Accident Insurance is particularly important for self-employed tradespeople. When you work for yourself, you can’t rely on sick pay or other benefits if you’re unable to make your usual money due to accidents or injury. Instead, you must deal with the financial fallout yourself, which will include loss of earnings, unpaid bills and a whole lot of extra stress.

Unfortunately, working in the trades industry means that you’re at higher risk than most of having accidents. Let’s face it: working on construction sites, or with electricity, or with heating systems, plant machinery, or chemicals comes with some serious hazards. In such a dangerous job, it’s extremely important to be protected by a Personal Accident policy.

Rhino’s excellent Personal Accident Insurance will also cover accidents or injuries that happen when you’re not at work. So, if you fall off a ladder while clearing out the loft or a car knocks you down on the way back from the shop, you’re still covered.

What would up to £50,000 do for you and your family if you found yourself unable to work due to an accident? Don’t sit and wonder. Just make sure you’re protected with Personal Accident Insurance from Rhino today. 

With Rhino, a claim can also be made in case of the worst-case scenario – your accidental death. In such cases, the cash will be paid to your nominated person – usually a partner or family member. Always read the Policy documents carefully to gain a full understanding of the terms, conditions and any exclusions.


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  • Lump sum payment of up to £50,000 in the event of an accident
  • Your choice of three different levels of cover
  • Monthly or annual payment options
  • Premium starting from under £8 per month
  • Instant cover with documents immediately

Who should think about personal accident insurance?

Just about anyone would benefit from Personal Accident Insurance. Being unable to work for a prolonged period of time can lead to financial strain, even for employees who receive sick pay and benefits from their employer, as these can be insufficient to cover all the necessary expenses.

But if you’re self-employed – it’s an absolute must. 

Being self-employed is rewarding, and you can make great money when times are good. But not working, even for just a few weeks, leads to a massive loss of earnings for anyone self-employed. The mortgage, rent, bills and groceries aren’t going to pay for themselves, which is why insurance coverage is essential to keep yourself and your family afloat during the tough period while you recover.

Tradespeople who find themselves facing a higher-than-average level of risk during the course of their work are among the most likely to need to make a claim on their Personal Accident Insurance. If you’re a tradesperson, you need cover in place from day one otherwise, you’re seriously jeopardising your financial stability.


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What doesn’t personal accident insurance cover?

Rhino’s Personal Accident Insurance is comprehensive cover, but there are some exclusions you should know about.

Remember, Personal Accident Insurance is for accidents and does not cover illnesses such as cancer. ‘Accident’ means a sudden and unforeseen event which happens by chance and results in bodily injury or accidental death. To get cover for sickness, Income Protection Insurance is the one you need – more on this below.

You also wouldn’t be covered for pre-existing conditions or anything that happened before the start date of the policy or a fracture that has occurred in the first 15 days of the policy.

And although you will be covered for accidents that happen in your spare time, this does exclude instances when you’re taking part in certain dangerous sports and pursuits. These include:

  • Riding a motorcycle, moped or scooter (as driver or passenger)
  • Rock climbing or mountaineering
  • Suicide or self-inflicted injuries
  • Where you are under the influence of alcohol or drugs
  • Illegal acts
  • Flying, except as a fare paying passenger
  • Competing in a race other than on foot or whilst swimming
  • Where the accident occurs in a country that you have been advised not to travel to or avoid by the Foreign and Commonwealth Office.

Be sure to check the Policy Wording document for a detailed breakdown of cover, including exclusions.


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Personal Accident Insurance is an essential investment for self-employed tradespeople. But even with this in place, you should consider adding Income Protection Insurance for all-round protection.

Why would you need both? Well, Personal Accident Insurance doesn’t cover you for sickness, whereas Income Protection Insurance will. Also, the way you get paid with these policies is different.

While Personal Accident pays a lump sum, Income Protection Insurance will pay out a monthly sum to cover your income (up to your chosen level of indemnity and a maximum of £2,500 per month). It’s up to you – with Rhino, you can purchase either policy individually or both together.


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What accidents can personal accident insurance protect me from?

The Policy provides a lump sum payment at the chosen limit of indemnity (up to £50,000) in the event of an accident which causes bodily injury, including:

  • Permanent total disablement
  • Quadriplegia
  • Paraplegia
  • Permanent brain damage
  • Loss of speech
  • Loss of hearing
  • Use of a shoulder, elbow, thumb, finger or toe
  • Burns
  • Fractures
  • Loss of sight
  • Loss of limbs
  • Accidental death

We recommend that you always read the Policy Document in full before deciding whether to purchase cover.


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How much does Personal Accident Insurance Cost?

The cost of Personal Accident Insurance is dependent on a few different factors. These include the nature of your business – as a general rule, the more dangerous your day job and lifestyle are, the higher your premiums will be. 

Rhino’s excellent low-cost cover starts at £89 per year – that’s just £7.42 per month.

Income Protection Insurance – which can be bought at the same time – begins at £66.24 per year or just £5.52 each month. That’s not much for knowing that whatever happens to you, you can keep yourself and your family afloat and ease the pressure that would come with an unfortunate accident or injury.

The only way to know for sure what you’d pay for this 5-star cover is to head over to our quick quote generator or give us a call on 0115 350 1548. Our friendly, expert team are waiting to chat.


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