Your choice

Insurers offer three different types of policy:

1. One-year contracts providing lump-sum payments on partial or total disablement. These personal accident policies are renewable every year by a premium which varies with your occupation. An optional additional premium will provide a regular weekly income during sickness (i.e. personal accident plus sickness). With these contracts, both you and your insurer have the option not to renew the policy each year.

2. Under a permanent health policy, the insurance company continues the insurance under the terms of the original contract so long as you continue to pay your premiums. These are fixed at the outset and do not increase from year to year. You will be paying' a higher premium than in (I) to provide you with this guarantee.

3. You may also obtain cover for certain medical expenses with a medical expenses policy.


Choice

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: Personal accident policies

Insurers offer three different types of policy:

1. One-year contracts providing lump-sum payments on partial or total disablement. These personal accident policies are renewable every year by a premium which varies with your occupation. An optional additional premium will provide a regular weekly income during sickness (i.e. personal accident plus sickness). With these contracts, both you and your insurer have the option not to renew the policy each year.

2. Under a permanent health policy, the insurance company continues the insurance under the terms of the original contract... see: Personal accident policies