YouthGuard Benefits Details


Personal liability
Covering your legal liability resulting from accidents causing death bodily injury or damage (Limited to £500,000 for physical injury and £300,000 for property damage per claimant). Excess is £100 for sports equipment to a third party.
 
Personal Accident
Accidental Death
Lump sum payable in the event of an accident causing Death (maximum death benefit for under 16's is £2,500).
Permanent Total Disability
Lump sum payable in the event of an accident causing the Insured never to be able to work again or causing loss of, or loss of use of, one or more eyes or limbs.
 
Broken Bone Benefit
Diagnosed osteoporosis or any other existing bone condition is excluded. The total benefit will never exceed the top sum insured as a result of any one accident.

a) Hip joint or Pelvis (excluding coccyx)
b) Femur, tibia or fibula (leg) excluding patella (kneecap), calcaneus (heal bone) tarsal (ankle)
c) Clavicle (collar bone), humorous, radius or ulna (arm) or carpals (wrist)
d) Cranium (skull) excluding the facial skeletal bones
e) Sternum (breastbone), scapular (shoulder blade), patella (kneecap), metacarpals (hand excluding fingers) metatarsals (foot excluding toes)

 
Legal Expenses & Advice
To pursue a claim for damages, following personal injury due to an accident, against a third party.
 
Inconvenience Benefit
Amount for each 24 hours whilst in hospital as an in-patient following an accident. Maximum 10 nights.
 
Parent / Dependent Child Inconvenience Benefit
Amount for each 24 hours whilst Insured (who is fully dependent) is in Hospital as an in-patient following an accident. Maximum 20 nights.
 
Consultant Fees
To permit the Insured to gain a specialist medical opinion quickly with a private consultation following an accident.
 
Physiotherapy Fees
Payment towards the actual costs of a course of physiotherapy following an accident that caused the insured to be hospitalised as an Inpatient and consequently to require physiotherapy treatment on the recommendation of a qualified specialist Doctor or the insured’s family G.P.
 
Dental Fees
Replacement or repair of natural teeth (excludes milk teeth) following an accident.
 
Season tickets
Reimbursement of season tickets, training courses, subscription fees, permits. Subscriptions of not less than five days, payable from the day following the accident.
 
Rescue/Search Fees
Covers charges for rescue, in mountains and at sea, by Civil and Police rescue squads.

All sums insured shown are the maximum payable per person. This is only a brief summary of the cover provided. The full terms and conditions of this insurance are in the Schedule Details, which are available on request.