What is personal accident insurance?

This part of your cover is called personal accident insurance.

What does this cover?

If you are injured in an accident, we pay you money. The amount depends on your injury.

For most injuries we pay a fixed amount. For some things, like physiotherapy or dental treatment, we pay back the money you spent.

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Am I only covered when I am working?

No. You are covered 24 hours a day, anywhere in the UK. This is when you are working and when you are not working.

You are not covered outside the UK.

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What counts as an accident?

An accident is something sudden and unexpected that happens by chance and injures you. For example, you fall off your bike, a car hits you, or someone attacks you.

Injuries from bad weather you could not avoid also count.

An injury that slowly gets worse over time does not count as an accident.

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How much will I get?

These are the most we will pay for each type of injury or cost.

Your schedule shows the full list. For all scars from one accident, the most we pay is £15,000.

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How much will I get for a broken bone?

It depends on the bone:

• £100: nose, one rib, hand, foot, tailbone, or the thin bone in your lower leg (fibula).
• £250: wrist, arm, collarbone, shoulder blade, kneecap, ankle, lower jaw, breastbone, shin bone (tibia), two or more ribs, or some parts of the spine.
• £500: thigh bone, pelvis (hip bones), skull or face bones, or the main part of a spine bone.

We do not pay if you only break fingers or toes.

The bone must be broken within 3 months of the accident. If you break more than one bone, we pay for each bone.

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What if I have a permanent injury?

A permanent injury is one that has lasted at least 12 months. Your doctor must also say you will never recover from it.

We pay an amount that depends on the injury. For example:

• loss of sight in one eye: £25,000
• loss of hearing in one ear: £10,000
• loss of use of one thumb: £10,000
• loss of sight in both eyes, or loss of a hand, arm, foot or leg: £50,000.

If your injury is not on the list, a doctor will decide how serious it is. We then pay a share of the amount.

For all of these injuries together, the most we pay from one accident is £50,000.

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What if I stay in hospital?

We pay £50 for each night you stay in hospital as a patient after an accident. The most we pay is £1,000 in 12 months.

If you stay 3 nights or more in a row, and your doctor tells you to rest at home afterwards, we also pay £200. If you stay 7 nights or more in a row, we pay £500 instead.

If you have children, we can also help with childcare costs while you are in hospital. We pay up to £50 a day if:

• you use a childminder on the official Childcare Register
• your partner cannot look after the children because they are working
• you send us the childminder’s original invoices.

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Does this cover damage to my teeth?

Yes. We pay up to £2,500 for dental treatment after an accident. This includes damage to dentures or braces you are wearing.

• The damage must show within 7 days of the accident.
• The treatment must happen within 12 months of the accident.
• You pay the first £10 of any repair to dentures, and a £15 call-out fee. This is called an excess.

We do not pay for damage caused while you eat or drink, or for normal wear.

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Does this cover physiotherapy?

Yes, if you have a broken bone or dislocation that we have paid a claim for. A doctor must tell you to have physiotherapy, and the physiotherapist must be registered.

We pay back up to £35 a session, for up to 10 sessions in 12 months.

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What if someone attacks me?

If someone attacks you and you are injured, we treat this like any other accident.

We also pay up to £1,000 for counselling, to help you after the attack. To claim this, you must report the attack to the police and get a crime reference number. The counselling must happen within 12 months.

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What happens if I die in an accident?

We pay £50,000 to your estate. Your estate is the money and things you leave when you die. It goes to the people named in your will. If there is no will, it usually goes to your family.

We also pay up to £10,000 for urgent costs, like the funeral. We pay this early, while your family sorts out your estate.

Please tell your family you have Courier Protect, so they know to contact us.

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Does this pay me if I cannot work?

No. Courier Protect does not pay you a weekly wage if you are too injured to work.

It pays the fixed amounts for injuries shown in the table above. For example, it pays £50 for each night in hospital. If your injury means you can never again do any work that fits your training and experience, we pay £50,000.

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I already had an injury or disability. Am I still covered?

Yes. But if an accident makes an old injury or disability worse, we only pay for the new damage. A doctor will compare your health before and after the accident, and we may pay less.

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What is not covered?

We will not pay for:

• illness or disease, unless an accident caused it
• infections, unless an accident caused them
• the mental or emotional effects of an injury (but see counselling after an attack)
• suicide, attempted suicide, or hurting yourself on purpose
• injuries that happen slowly over time, like repetitive strain injury
• broken fingers or toes only
• dislocating a joint you have dislocated before
• professional sport, air sports (for example paragliding or skydiving) or motor racing
• injuries while you break the law
• war, or serving in the reserve armed forces
• injuries while you do an excluded job (see “I have another job”)
• anything that happens after your Amazon agreement ends or Amazon suspends it.

This is not the full list. Please read the policy wording for all the details.