NISA – Personal Accident FAQs


What is Personal Accident insurance?

Personal Accident insurance offers an immediate lump sum payment in the event of a fatal accident or accident leading to a permanent total disablement. Cover is also included for other specific injuries such as emergency dental treatment. For further details, please see the Summary of Benefits – as detailed below.
Please note this cover does not replace the need for Travel Insurance

^ Back to top


Who provides the Personal Accident insurance?

The policy is underwritten by Ace European Group Ltd - Policy number: UKBOPC42386/ACEPA000867

^ Back to top


If I am injured, can I claim from the Personal Accident policy?

NISA have arranged for a Personal Accident policy to be included for its members aged up to the age of 80 whilst participating in recognised and/or authorised activities.

^ Back to top


What is the Operative Time of the policy?

Whilst participating in any association authorised or recognised activities anywhere in the world, including travel to and from such activity.

^ Back to top


Does it matter if the injury isn’t my fault?

The benefits are payable to you whatever the cause of your accident.

^ Back to top


What are the benefits?

The benefits are as follows:
1 Death £5,000
2 Permanent Total Disablement * £50,000
3 Permanent Disabling Injuries * £50,000
4 Broken Bones ** Arm, wrist £100
for each broken bone
Leg £200
for each broken bone
Maximum any one Accident £500
5 Hospitalisation £ 30 per day
(maximum of 25 days)
Maximum any one Accident (£750)
6 Convalescence £ 100 per week
(up to 4 weeks)
7 Emergency Dental Treatment Up to £500
*The Benefit Amount shall be reduced by 50% in respect of Insured Persons aged 70 years or over.
**The Benefit Amount and the maximum amount payable shall be reduced by 50% in respect of Insured Persons aged 65 years or over.

^ Back to top


In the event of a claim

Please contact Howden Ltd on 0121 698 8142 and complete the necessary report/claim form as soon as possible to avoid prejudicing your claim.

^ Back to top