Personal Accident – On Leave

Personal Accident – On Leave

What is Personal Accident Insurance?

A policy arranged to insure you either specifically when not working. Providing a lump sum benefit to you/your family following a bodily injury, resulting in specific consequences such as death or permanent disablement. There is also the option to add a fixed weekly benefit for injury resulting in you unable to carry out your usual occupation.

Many clients work on regular rotations and benefit from insurance provided for them whilst deployed. However, often this cover ceases as soon as they return home or even when they leave the deployed country.

There are therefore many hundreds of experienced operators who are unfortunately uninsured whilst back in the UK or on holiday. These individuals are just as likely to experience an unfortunate accident such as a trip down the stairs, with resulting injuries that can last a lifetime whilst not at work.

The personal accident on leave arranged by CJ Insurance is designed to cover you when you are enjoying time off, where the risks are not the same as when you are deployed. This allows us to go more in-depth with your cover, with more focus on the various elements that are going to make your personal accident policy while on leave, as efficient as when you are away.

With regular benefits payments available following injury, if you suffer temporary disablement and various options for a lump sum from £100,000 upwards for death and permanent disablement, your relaxed state on leave does not need to leave you in a position of financial vulnerability, provided you have the right insurance in place.

Who is the product suitable for?

This product is perfect for those working on rotations and are insured whilst deployed by their employer but not whilst on Leave.

Why choose us?

  • Free review of your insurances if required
  • Dedicated Account Manager
  • Hotline to specialist insurers with tried and tested claims systems
  • Cover can be incepted over the phone or by email from anywhere around the world
  • Documentation issued within 24 hours and by email
  • Ability to cover those already in the country
  • Ability to cover those non-resident for tax in the UK
  • Support throughout the claims process

Main Covers



Death & Capital Benefits

The Death & Capital Benefits cover pays out a chosen lump sum in the event of Death, Permanent Total Disablement and Loss of Limbs/Sight/Hearing/Speech. This benefit is paid to you/your estate or a named beneficiary if you prefer.

You can select a level of cover that suits your requirements, this could be for example £100,000, £200,000 or £300,000.



Total Temporary Disablement

If you are involved in an accident, you may be off work for a substantial period of time. The Total Temporary Disablement cover provides a weekly benefit to replace the loss of income you may suffer during this time.

For those with families, mortgages, bills, this can be especially important. If you are the main earner in the household and you are unable to work, it could have serious implications for the rest of the family. This cover gives you the peace of mind and financial security.

For example if you had a benefit of £750 per week and were injured for a total of 10 weeks. The first 14 days are an excess period. However, you would receive a total of £6,000 through 8 weekly payments of £750 monthly like a usual salary for the rest of the period you are injured and unable to return to work.


Medical and Additional Expenses

There is the option to include cover for medical expenses you may incur whilst on holiday.




For £100,000 Death & Capital Benefits, £500 per week Total Temporary Disablement based on a 9/3 rotation. The premium would be £249.00 inclusive of insurance premium tax and policy fee.

Higher figures are available and at CJ Protect we will listen to your requirements and the offer a suitable policy that does exactly what you need it to.

If you have any questions we are available for free advice on 44(0)1432 268 007 or





01432 268 007

Java House, 8 St. Nicholas Street, Hereford HR40BG

Cj Protect is a trading style of Clarke Jeffreys Insurance Brokers Ltd. Registered office: 8 St Nicholas Street, Hereford. HR4 0BG.

Registered in England & Wales No: 4460184. Authorised and regulated by the Financial Conduct Authority