How much cover?

Although you may modify the standard ' policy to suit your own individual requirements, the range of benefits listed there should provide adequate cover for most people. To check this, all your insurances together should provide you with a regular weekly income while totally incapacitated which is approximately equal to your salary before the accident. For example, if you earn £47.79 a week, and expect on disablement to receive£1,250 a week from the state National Insurance scheme, you would require a policy providing you with £40 a week during total disablement. Two units of the ' standard ' policy would, therefore, be sufficient to cover your needs, and you would also cover yourself for a lump-sum benefit of £4,000 on death or loss of one limb or eye, with corresponding amounts for the other benefits listed there. You should periodically increase the amount of your insurance as your standard of living increases.




How much cover?

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: How much does it cost?

Although you may modify the standard ' policy to suit your own individual requirements, the range of benefits listed there should provide adequate cover for most people. To check this, all your insurances together should provide you with a regular weekly income while totally incapacitated which is approximately equal to your salary before the accident. For example, if you earn £47.79 a week, and expect on disablement to receive£1,250 a week from the state National Insurance scheme, you would require a policy providing you with £40 a week during total disablement. Two units of the ' standard ' policy would,... see: How much does it cost?