Changes to road traffic accident compensation levels have highlighted a gap in the way some accident victims are treated. If a party cannot be pursued following a road traffic accident there is limited support for those customers.
With limited product innovation since the reforms were introduced, Addept has created Recovery First to address the gap and provide practical and financial support to help policyholders recover both mentally, financially and physically after an accident.
This new product offers a wider coverage and is designed to replace the current under utilised existing Personal Accident add on offerings available in the market. Alongside a cash benefit if the customer is unable to work due to an injury sustained in a motor accident, there’s cover for rehabilitation costs to expedite the customers physical recovery from their injuries, and driver confidence lessons. Also, for serious injury there is cover for home adaptions and in the event of death, funeral costs can be covered. All areas of assistance currently provided to ‘non-fault’ motor accident customers, but none of which are provided to customers who are unable to claim these costs from a negligent third party.
Rehabilitation - Up to six physiotherapy sessions including an initial assessment if injured in a motor accident.
Driver Confidence - One 2-hour session, up to £100, with a local driving school if the insured loses their confidence in driving.
Hospital Benefit - £100 per night of hospitalisation, up to 10 nights.
Loss of Income - £250 per week, for up to 10 weeks if the insured is unable to work due to an injury and lose their income as a result.
Home Adaptation - Up to £5000 to make adaption to the insured’s home to accommodate any permanent disability arising from an injury.
Funeral Costs - Up to £5000 for funeral costs in the event of the insured’s death.
Talk to Addept about how Recovery First can support your clients as part of their motoring insurance needs.
