Voluntary Cover

Personal Accident

A simple ‘accidental injury’ policy that will provide a lump sum benefit and can include a weekly benefit as a result of a temporary total disablement. This type of cover will top up the cover available under the RFU provided Group Personal Accident policy. Premiums are likely to start at £60 per annum for a lump sum benefit of £50,000.

Income Protection

This policy will provide a weekly or monthly benefit for a longer term, often up to 2 or 5 years.

Premiums will be dependent upon age, health and occupation as well as level and period of benefit. Premiums are likely to start from £300 per annum.

Please note that the above insurers may request that you purchase your policy through a broker and they will advise you at the time you contact them, which brokers the product is available through.

'Hybrid Products'

A hybrid policy is a package that can cover injuries, broken bones, hospitalisation, dental treatment, physiotherapy and income protection.

Premiums start at approx. £50 per annum

All of the above providers are regulated by the Financial Services Authority (FSA).

The terms and conditions for specific products will vary between providers.

Some providers will only make available their own products and consequently we would always recommend that the advice of an Independent Financial Adviser (IFA) is sought to ensure that the correct product and level of protection is offered to meet individual needs and circumstances.

Marsh have not carried out checks on the financial standing on all of the providers listed in this supplementary report and it is strongly recommended that any individual contemplating arranging an insurance policy with any of the companies listed should satisfy themselves that they are financially sound.