Personal Accident

Cover of up to £30,000 is provided for death or disability resulting from an accident while you are at work in the UK / Republic of Ireland. The amounts quoted are the maximum amount of benefit under the cover.

The scale is as follows:

Group 1 and Group 2
Licence up to age 60
£5,000
Group 1 and other Licence holders
Conductors up to age 60
£25,000
All Members aged 60 and Over

£30,000
SCALE OF BENEFIT
% OF COVER
1. Accidental Death
100%
2. Disablement Scale

a. Permanent Total Disablement
(other than by Permanent Disabling injuries specified in b to g below)
100%
b. Loss of sight in both eyes total loss of speech or hearing in both ears
100%
c. Loss of or total loss of use of one or more limbs
100%
d. Loss of sight in one eye
50%
e. Total loss of hearing in one ear
20%
f. Total loss of use of:

i. back or spine (excluding cervical) without cord involvement

ii. neck or cervical spine without cord involvement

iii. shoulder, elbow or wrist

iv. hip, knee or ankle


40%

30%

25%

20%
g. Loss of or total loss of use of:

i. foot below the level of the ankle (talotibial joint)

ii. thumb

iii. one forefinger or big toe

iv. any other finger

v. any other toe


50%

20%

15%

10%

4%