Income protection insurance: financial security if you're unable to work through illness or injury – exclusive to NICEIC Insurance customers.
Would you be able to cover your monthly bills if you suffered a serious accident or were unable to work due to injury or illness?
With personal accident and short term income protection insurance, you will receive a lump sum or help to replace your monthly income for up to twelve months if the worst should happen.*1
We're not just talking about injuries at work – a back injury on the golf course, a DIY incident at home, or a nasty illness like pneumonia. To protect your income from the unexpected, you can cover all these eventualities quickly and easily.
Cover options to suit your needs
Working with a leading specialist insurer, we've developed affordable levels of contractors personal accident insurance and short term income protection. Exclusive to registered contractors, with NICEIC Insurance services you can add this vital protection to your existing contractors cover as an optional upgrade. Please request this cover when getting a quote if you are a new customer.
Put us to the test
Our FREE no-obligation business insurance check will compare the cover, service and price you're getting with what we can provide. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money.
If you prefer to do things yourself, you can get a quote and buy online – quickly and conveniently.
Key benefits of contractors personal accident insurance at a glance*2
Personal accident/death cover as an extension to the contractors policy |
Benefits - Level 1 |
Benefits - Level 2 |
Accidental death |
£25,000 |
£50,000 |
Permanent total disability |
£50,000 |
£100,000 |
Quadriplegia |
£100,000 |
£200,000 |
Paraplegia |
£50,000 |
£100,000 |
Permanent loss of sight in both eyes |
£25,000 |
£50,000 |
Permanent loss of sight in one eye |
£25,000 |
£50,000 |
Permanent loss of use of one limb |
£12,500 |
£25,000 |
Permanent loss of speech |
£12,500 |
£25,000 |
Permanent loss of hearing in both ears |
£12,500 |
£25,000 |
Permanent loss of hearing in one ear |
£5,000 |
£10,000 |
Burns |
£1,250 |
£2,500 |
Hospitalisation (maximum 45 days and after a minimum of 24 hours) Extended hospitalisation (for stays longer than 14 days) |
£50 £500 |
£100 £1,000 |
A major fracture of; Upper leg; vertebral body; pelvis; skull Vertebra Lower leg hand/foot |
£250 £125 £50 |
£500 £250 £100 |
Dislocation of; Spine back hip Knee, ankle shoulder Any other joint |
£125 £50 £25
|
£250 £100 £50 |
For more information on the levels of cover provided under short term income protection and personal accident, please call us.
And, the best bit...
Registered NICEIC contractors get 10% off the cost of their electrical contractors insurance!
The power behind your business
NICEIC Insurance services is here to help you with all your business insurance needs – from electrical contractor insurance, personal accident and short-term income protection to van insurance and premises insurance – we've got you covered.
Unlike many direct insurers or comparison sites, we're here to provide expert advice. We'll explain the finer details of your electrical contractors insurance cover, so you know exactly what you're protected for. This should give you peace of mind, leaving you to focus on looking after your customers.
Our support doesn't stop there. We're on-hand to guide you through the process of making changes to your cover – mid-term or at renewal, should your circumstances change. But, if you wish to do things yourself, our customer portal puts you in control. Download your documents, make adjustments and renew your policies online.
And, should the worst happen and you need to make a claim, we will help to make sure it's handled as quickly as possible.
Personal accident/death cover as an extension to the contractors policy.
*1 In order for cover to be valid, you must be off work for at least the qualification period and be signed off work by a doctor.
*2 As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.
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