Accidental Death Benefit

Apply now for Accidental Death Benefit

Apply now for Norwich Union Accidental Death Benefit Cover

Who will get the money if there is a claim?

The payment would form part of your estate. If you have made a will, then whoever administers your estate would deal with it as laid down in the will. If you have not made a will, the payment would be distributed according to the intestacy rules: usually to your next of kin and/or any dependants. For detailed advice, contact a solicitor or your local Citizens' Advice Bureau about this. You cannot name a beneficiary for Accidental Death Cover.

I have an Accidental Death Benefit policy with another company. If I take out your policy as well, will both pay out?

At Norwich Union Direct, we will pay out regardless of any other Accidental Death Benefit insurance policies you hold. However, we suggest you also check with your other insurer as their terms and conditions may be different.

Can my partner/wife/husband be covered?

Yes, we can provide the same cover for your partner/wife/husband on an Accidental Death Benefit policy and your monthly premium would be multiplied by 2 to reflect this.

Can my children be covered?

No. We have a special policy for children called Tots to Teens that provides Accidental Death cover, Accidental Disability and recuperation benefit. There is also free unlimited access to a helpline which offers confidential help and advice on all sorts of child related issues.

I can't pay by Direct Debit. Can I pay another way?

No. Unfortunately, we can only collect premiums for Accidental Death Cover by monthly Direct Debit which is one of the reasons why we are able to keep the cost so low. We cannot accept payment by any other means. We can however accept a Direct Debit from a family member or friend and the policy will still be issued in your name. They need to call us on 0800 051 8998 to set up this Direct Debit. (For our joint protection, calls may be recorded and/or monitored.)

Can I pay annually/on a specific date/on a specific day?

No. Unfortunately, we can only collect premiums by Direct Debit on the first working day of each month. This is one of the reasons we are able to keep the premiums so low.

I have a holiday home abroad. Can I still be covered?

Accidental Death Cover is provided as long as you are permanently resident in the UK. For this policy, we define permanent residency as not being out of the country for more than 12 weeks in any 52 week period. If you are abroad for longer than that, the policy will need to be cancelled but it can be reinstated if you return to live in the UK.

Can the money be paid into a trust?

Under the terms of the Accidental Death Plan, we will pay the proceeds of any claim into your estate for distribution according to your will or, if there is no will, according to the intestacy rules. If arrangements have been made to pay the proceeds into a trust, we will do our best to honour this. Our policy wording states we will not be bound by any trust, charge or transfer and at the time of a claim we would rely on the advice of our lawyers as to whether we could comply with your wishes.

Will my premiums increase over time?

Over time, Accidental Death Benefit premiums have been stable and our prices have stayed the same for over 10 years. Of course, we can't guarantee to keep them at this level forever, however if premiums do increase we will advise you in advance and you will have the chance to cancel your policy before any premiums at the increased rate are collected.

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