[julianbiggs]

I pay my personal accident insurance monthly, but was wondering is there a company that loads of you use, that maybe specialise in window cleaning. I'm traditional using ladders but do not go higher than first floor, EVER!!

[paul mather]

Combined insurance of America, they will pay out from day 1, not make you wait 30 days like most insurance companies.

[Ian Lancaster]

Alllied Insurance Services Ltd.

www.alliedinsurance.co.uk

If you're a FWC member you get a 10% discount

Cheers,

Ian

[jakeandmia]

Hi

I used to use Combined Ins of America but be careful.I slipped on a flat roof and damaged muscles in my shoulder,so put in my claim.Doctor told me to have 4 weeks off.Had to wait until my sicknote ran out before i got a penny,and when i did they only paid me half of what i was entitled to cos they said those muscles were weakened due to a crash i'd been in a few years earlier.I used to pay £36p/m accident and £36p/m sickness cover but i put the money aside now and every 10 months have a fortnight off with the dollar.

wayne

[billozz]

Hi

I used to use Combined Ins of America but be careful.I slipped on a flat roof and damaged muscles in my shoulder,so put in my claim.Doctor told me to have 4 weeks off.Had to wait until my sicknote ran out before i got a penny,and when i did they only paid me half of what i was entitled to cos they said those muscles were weakened due to a crash i'd been in a few years earlier.I used to pay £36p/m accident and £36p/m sickness cover but i put the money aside now and every 10 months have a fortnight off with the dollar.

wayne

wayne was there a reason given for the wait until your note ran out, as paul seems to be saying payments start right away. also if you dont mind me asking what did the £72 p/m you were paying entitle you to in the way of payments from them...just interested in what kind of money per week/month they would pay for that monthly payment
regrds
Bill

[jakeandmia]

Hi

They told me if i was going to be long term sick then i could have interim payments but cos it was short term then i would have to wait.They'll tell you that you will get a certain amount for the injury/accident and something in the region of £150 p/w whilst youre off work but as is the case with most insurance companies they try to get out of payment with the small print.

wayne

[Ian Lancaster]

Mine is with Royal and Sun Allliance, via Allied.  Premium £157.50/yr.  Death benefit £20,000,  weekly benefit £175 with a deferment of 14 days and a benefit period of 52 weeks.

No accident/sickness insurance is going to give you a living wage while you're off sick, unless you pay an absolute fortune in premiums, but this had got to be one of the better ones.

Cheers,

Ian