“A staggering £10billion is paid out in compensation claims every year, says the Institute of Actuaries.”

The Sun Newspaper

“Compensation is a good word, imbued with justice. Those who lose money or health through another’s crime have moral rights.”

The Times Newspaper

"As society changes, rules and regulations need to compensate that" - Martine Wright, London bomb victim

ITV News

“If you have a genuine claim – where someone else is to blame – you should be able to get compensation from those at fault. This is only fair. The victim or the tax payer shouldn’t have to pay out where someone else is to blame. But there is not always someone to blame. Genuine accidents do happen.”

Lord Falconer - BBC News

What is job accident insurance?

Job accident insurance is a policy that is available to provide a lump sum in the event of an accident that you have at work. If you have an accident, you can sue your employer for damages for the pain and discomfort that you have suffered, and for loss of earnings. However, job accident insurance is available for amounts in addition to what you might recover in a legal action, so it could be worth claiming compensation too.

What does the policy involve?

A job accident insurance policy involves an agreement between an individual and an insurer for a fixed term (usually a year). The insurer agrees that if, during this fixed term, the insured person suffers from an accident at work, the insurer will pay out an agreed sum. The pay out is usually only triggered if the insured person is unable to work.

What is the benefit of the policy?

If your family budget is under strain from a number of financial commitments, the sick pay offered by your employer or by the state may not be adequate to cover your monthly liabilities. Job accident insurance exists to fill that gap, and meet a shortfall that could arise in your finances after an accident at work. It is true that you may have the right to sue your employer for the workplace injury, but the damages awarded may not be sufficient to fund your current lifestyle if you are unable to work.

How much does the policy cost?

The cost of the policy depends on a number of factors. For example, if you work in an industry that is perceived as being dangerous, you may find it more difficult to get cover than someone who works in an office. Or if you can find an insurer, you may find that the price of the premium is higher than it would be if you had a less risky profession.

The cost of the policy also depends on the size of the lump sum you have selected to insure. So if you have resolved to provide a large lump sum in the event of a serious injury at work, your job accident insurance premium will be higher.

What are the terms and conditions?

You may find that a condition of your job accident insurance policy is that you have to abide by the health and safety practices in your workplace, and attend the training sessions on these matters that are offered. Such requests are not unreasonable, and indicate a willingness on your part to take responsibility for your own personal safety. The less risk there is of you having an accident at work, the lower the chance that they will have to pay out on your policy.

You may also find that you are obliged to notify the insurer promptly if there are any serious Health and Safety incidents at your workplace, so that they can reassess the level of risk involved with covering you under the policy.

If you are making a claim on a job accident insurance policy, why not try claiming for compensation too? If the accident was not your fault, you could be entitled to damages. Call today for free, no obligation advice.

If you want to make a job accident claim choose one of the following options:

1. Fill in the 2 minute 'Free Online Claim Assessment Form'
2. Contact us on any of the following numbers: 08707 02 02 02 or 0800 292 2182
3. Email us at accidenthelp@100percent-compensation.co.uk or
4. Fill in the call back form and we shall call you back at your convenience.

Please note the service we provide is confidential and it won't even cost you for trying.

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I would recommend with confidence."

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