Extra Cover Pack 24-hour Personal Accident Cover – Summary of Cover
Personal Accident Cover is only applicable to Spotlight members who have purchased the Extra Cover Pack and reside in the UK, Channel islands, and Isle of Man
Introduction
All eligible Spotlight members who have purchased Extra Cover Pack receive 24 hours, worldwide Personal Accident Cover. This provides financial benefits following an insured accident resulting in temporary or permanent total disablement which prevents you from doing your usual Spotlight related occupation. You will receive £125 per week for the length of disability up to a maximum 52 weeks excluding the first two weeks. Any accident that causes permanent disability or death is insured to £20,000.
This cover applies at Any Time, anywhere in the word provided you are not visiting a country where the UK government states not to visit. Lower benefits apply to members under 18 yrs.
The following is a Summary of Cover and members should refer to the policy and schedule for the full details of policy terms and conditions.
Demands and needs
This policy meets the demands and needs of Spotlight members who have purchased the Extra Cover Pack requiring financial protection following disability resulting from an accident covered by this policy.
Name of the insurer
This policy is underwritten by Aviva. Hencilla Canworth GI Ltd manages this policy on behalf of Spotlight. The Aviva Policy Number is 100784026GPA
Contact, Claims and Queries
If you have a claim or a general enquiry please email spotlight@hencilla.co.uk or call Hencilla on 0208 686 5050. To make a claim with Aviva email gpaclaims@aviva.com tel, 0800 051 6583 quoting the policy number above and your name and address.
Eligibility
All subscription paying Spotlight members who have purchased the Extra Cover Pack, aged under 80 yrs, permanently residing in England, Scotland, Wales, Northern Ireland, the Isle of Man, and the Channel Islands are covered.
Duration of insurance
The policy runs for 12 months from 4th September and is annually renewable by Spotlight. You must remain a member of Spotlight with an active add-on of the Extra Cover Pack to be insured.
Cover
24 hour, Personal Accident Cover.
Operative Time:
Anytime.
Category of members
Category A
Any member of Spotlight who has purchased the Extra Cover Pack aged 18 or over who derive their earnings solely from the performing arts industry and are resident in the United Kingdom, Channel Island’s and Isle of Man.
Category B
Any member of Spotlight who has purchased the Extra Cover Pack aged 18 or over who have earnings from alternative occupations and are resident in the United Kingdom, Channel Island’s and Isle of Man.
Category C
Any member of Spotlight who has purchased the Extra Cover Pack aged 17 or under and are resident in the United Kingdom, Channel Island’s and Isle of Man.
Insured Benefits – Following Accidental Bodily Injury
£20,000 is payable for loss of life, loss of limbs, loss of hearing and loss of sight. Category A members receive £20,000 for permanent disablement from their usual occupation. Category C members receive £2,000 for loss of life.
- £125 is payable following accidental injury that results in temporary total disablement for a maximum 52 weeks excluding the first two weeks. Category C members receive £25 per week as above. The following are also payable when applicable.
- Medical Expenses, up to 25% of Benefits (max £25,000)
- Coma Benefit £50 per full 24 hours up to a maximum 104 weeks
- Disability Assistance Up to £25,000
- Funeral expenses up to £10,000
- Hospitalisation £50 per full 24 hours up to a maximum 104 weeks
What is insured?
Insurers will pay the sums insured above for Accidental Bodily Injury occurring during the Period of Insurance which within 12 months of the date of the Accident results in;
- Death;
- Permanent Disablement
- Temporary Total Disablement;
Coma Benefit
In the event of Accidental Bodily Injury which results in a continuous unconscious state insurers will pay up to the amount stated above.
Disability Assistance
If you sustain Accidental Bodily Injury which within 24 months is the sole cause of disablement for which a Capital Benefits claim is paid, insurers will pay necessary expenses to make alterations to your home, car or usual place of work as a direct and necessary result of the disablement. The maximum amount insurers will pay is stated above.
Funeral Expenses
In the event of your Accidental death and the payment of a death benefit insurers will pay your estate for the reasonable costs of a funeral up to the maximum amount stated in the Schedule.
Hospitalisation
In the event that you are admitted as a Hospital in-patient as a result of Accidental Bodily Injury Insurers will pay the above benefit for each day period that you spend as an in-patient.
Medical Expenses
Insurers will pay the benefit show above if you suffer Accidental Bodily which results in them ambulance charges or Medical Expenses as an inpatient in a Hospital or nursing home.
What is not insured? – Main exclusions
- Any claim when you are not a Spotlight member who has purchased the Extra Cover Pack.
- Claims arising from any hazardous activity performed as a stunt including but not restricted to martial arts, boxing, fighting, wrestling, trampolining, gymnastics, acrobatics, aerial activities including flying, parachuting, paragliding, driving or riding any mechanical vehicle, horse riding, rock climbing, swimming, sub aqua activities and any activity involving the use of fire.
- War
- You engaging in any kind of flying other than as a passenger.
- Claims from being a full time member of the armed forces of any nation or international authority or a member of any reserve forces called out for permanent service.
- Committing or attempting to commit suicide or intentionally inflicting self injury.
- Your own criminal act.
- Your being in a state of insanity.
- Any claim incurred in any country destination or region in respect of which the advice of the British Government or the government at the time the trip was booked was “against all travel to”.
- Accidental Bodily Injury directly or indirectly caused by:
- any gradually operating cause;
- any naturally occurring condition or degenerative process;
- Sickness or disease (unless resulting directly from Accidental Bodily Injury
Main Policy Conditions
Reasonable Precautions
You must take all reasonable precautions to prevent accident or injury and must comply with all legal requirements and safety regulations and conduct your business in a lawful manner.
Claims Procedure
You must notify insurers about a claim as soon as possible and within 60 days of an accident. You must obtain and follow medical advice and provide medical certificates or other medical documentation when required.
Complaints
If you are dissatisfied with any aspect of the handling of your insurance contact Hencilla Canworth on tel: 020 8686 5050. If you remain dissatisfied you can contact the Financial Ombudsman Service at:
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Details of our regulator
Aviva is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hencilla Canworth GI Ltd is authorised and regulated by the FCA – ref 948880. The FCA website, which includes a register of all regulated firms, can be visited at www.fca.org.uk.
General contract disclosure
You will not receive any advice or recommendations in respect of this insurance. This cover is provided to qualifying members of Spotlight with specific Insurers being selected and agreed by Spotlight. Hencilla receives a commission from the insurer for arranging this cover. In sourcing and placing your policy, Hencilla acts as the agent of the Insurer.
Financial services compensation scheme.
All policy insurers are members of the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if they are unable to meet their obligations.
Additional Information
If you have any questions with regards to this insurance policy please contact Hencilla Canworth GI Ltd at :
Simpson House
6 Cherry Orchard Road
Croydon
CR9 6AZ
tel 020 8686 5050
fax 020 8686 5559
e-mail bectupli@hencilla.co.uk
Fair processing of data
How Hencilla processes members personal data is detailed within the Hencilla Privacy Notice which is available on request or by visiting: https://www.hencilla.co.uk/Documents/HC_ Privacy_Notice.pdf
Extra Cover Pack Personal Accident Policy Wording: Full document can be downloaded here.
Version 04/09/2023