Everyday Protect - Sports Injury Insurance

Name: Everyday Protect - Sports Injury Insurance
Brand: Thomas & Co
Rating: 5 (26 reviews)

Do you need protection against a Sports Injury?

Thomas & Co offers Sports Injury Insurance protection to sporty people from the odd game here and there right up to semi-professionals.

To be honest, anyone can apply for cover no matter the sport. In fact, you don’t even have to play a sport. Anyone can apply for cover.

You need to be at least 18 years of age.
The maximum age for application is 1 day prior to your 65th Birthday.
Your policy will end on your 75th birthday

Which past times are covered?

All of them. From water colour painters to Rugby players.

Do you need protection against a Sporting Injury?

What is covered by Sports Injury Insurance

Every Bone in the body. From full on fractures to hairline fractures
Every Ligament from partial tears to full tears
Dislocated joints needing surgery to re-position the joint

Parts of the body that are not covered by Sports Injury Insurance

The nose
Teeth
Dislocated joints not fixed through surgery. (Sadly, Re-location on the pitch is not covered)
Dislocation of bones to fingers, toes, including thumbs

How many breaks on the same bone can you have in one year?

As many as you can handle!

No medical underwriting whatsoever
Cost of cover is the same for everyone
Day 1 broken bone cover – You receive a lump sum for every broken bone and every accident.
Up to 90 days hospital cover per medical condition– accident from day one, sickness (new and existing) covered once the policy has been on risk for 12 months. Covid included.
Broken bone and cancer cover for children – £1 extra per unit for all of the children. Protection against kids being kids

The amount of cover comes down to how much you want to pay each month.

Amount of cover is based on how many units you take out

How much does the policy cost?

There are 5 levels of cover; choose between 1 and 5 units – the more units you buy, the higher your benefits will be.

	1 Unit	2 Units	3 Units	4 Units	5 Units
Core Cover	£9 per month	£18 per month	£27 per month	£36 per month	£45 per month
Child Cover	+£1 per month	+£2 per month	+£3 per month	+£4 per month	+£5 per month
Active Lifestyle Cover	+£1 per month	+£2 per month	+£3 per month	+£4 per month	+£5 per month
Specialist Healthcare Cover	+£1 per month	+£2 per month	+£3 per month	+£4 per month	+£5 per month

What am I Covered for?

The tables below show the benefits paid for valid claims.

Core Cover	1 Unit	2 Units	3 Units	4 Units	5 Units
Broken bones
Major (arm, ankle, back, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist)	£800	£1,600	£2,400	£3,200	£4,000
Minor (any other) excluding the nose	£200	£400	£600	£800	£1,000
Hospitalisation in the UK (per 24 hour period) as a result of accident or sickness
Hospital admission due to sickness is covered once you’ve held the policy for at least 12 months	£50	£100	£150	£200	£250
Accidental permanent injury
Paralysis of limbs – total and irreversible	£50,000	£100,000	£150,000	£200,000	£250,000
Blindness – permanent and irreversible in both eyes	£40,000	£80,000	£120,000	£160,000	£200,000
Loss of hands or feet – permanent physical severance	£40,000	£80,000	£120,000	£160,000	£200,000
Deafness – permanent and irreversible in both ears	£40,000	£80,000	£120,000	£160,000	£200,000
Loss of use of elbow, hip, shoulder, knee, ankle, wrist	£20,000	£40,000	£60,000	£80,000	£100,000
Loss of one hand or foot – permanent physical severance	£20,000	£40,000	£60,000	£80,000	£100,000
Loss of thumb	£10,000	£20,000	£30,000	£40,000	£50,000
Deafness – permanent and irreversible in one ear	£10,000	£20,000	£30,000	£40,000	£50,000
Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach)	£10,000	£20,000	£30,000	£40,000	£50,000
Blindness – permanent and irreversible in one eye	£10,000	£20,000	£30,000	£40,000	£50,000
Loss of speech – total permanent and irreversible	£10,000	£20,000	£30,000	£40,000	£50,000
Third-degree burns – covering 20% of the body’s surface	£10,000	£20,000	£30,000	£40,000	£50,000
Loss of finger or toe	£2,500	£5,000	£7,500	£10,000	£12,500
Total permanent disablement - unable to look after yourself ever again (bodily injury only)
	£50,000	£100,000	£150,000	£200,000	£250,000
Accidental death
	£40,000	£80,000	£120,000	£160,000	£200,000
Non-accidental death
Within 1 year	Premiums refunded	Premiums refunded	Premiums refunded	Premiums refunded	Premiums refunded
Year2	£1,000	£2,000	£3,000	£4,000	£5,000
Years 3-4	£1,500	£3,000	£4,500	£6,000	£7,500
Year5+	£2,000	£4,000	£6,000	£8,000	£10,000

The benefit amounts payable for Core Cover are reduced by 50% from the policyholder’s 70th birthday.

Child Cover	1 Unit	2 Units	3 Units	4 Units	5 Units
Broken bones
Major (arm, ankle, back, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist)	£250	£500	£750	£1,000	£1,250
Minor (any other) excluding the nose	£50	£100	£150	£200	£250
Hospitalisation in the UK (per 24 hour period) as a result of accident or sickness
Hospital admission due to sickness is covered once the Child Cover has been held for at least 12 months	£20	£40	£60	£80	£100
Accidental permanent injury
Paralysis of limbs – total and irreversible	£5,000	£10,000	£15,000	£20,000	£25,000
Blindness – permanent and irreversible in both eyes	£4,000	£8,000	£12,000	£16,000	£20,000
Loss of hands or feet – permanent physical severance	£4,000	£8,000	£12,000	£16,000	£20,000
Deafness – permanent and irreversible in both ears	£2,000	£4,000	£6,000	£8,000	£10,000
Loss of use of elbow, hip, shoulder, knee, ankle, wrist	£2,000	£4,000	£6,000	£8,000	£10,000
Loss of one hand or foot – permanent physical severance	£2,000	£4,000	£6,000	£8,000	£10,000
Loss of thumb	£1,000	£2,000	£3,000	£4,000	£5,000
Deafness – permanent and irreversible in one ear	£1,000	£2,000	£3,000	£4,000	£5,000
Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach)	£1,000	£2,000	£3,000	£4,000	£5,000
Blindness – permanent and irreversible in one eye	£1,000	£2,000	£3,000	£4,000	£5,000
Loss of speech – total permanent and irreversible	£1,000	£2,000	£3,000	£4,000	£5,000
Third-degree burns – covering 20% of the body’s surface	£1,000	£2,000	£3,000	£4,000	£5,000
Loss of finger or toe	£250	£500	£750	£1,000	£1,250
Total permanent disablement - unable to look after yourself ever again (bodily injury only)
	£5,000	£10,000	£15,000	£20,000	£25,000
Cancer - excluding less advanced cases
	£5,000	£10,000	£15,000	£20,000	£25,000
Accidental death
	£4,000	£8,000	£12,000	£16,000	£20,000

Non-accidental death benefit is not included under Child Cover.
Please see the Policy Terms and Conditions for full details.

Limitations to benefits

In each policy year, Ligament cover will pay for:

One dislocation and / or
One tendon rupture or grade 3 / grade 2 ligament tear

Dislocations: Only where dislocations resulting surgical intervention are covered.

Ligament tears: If benefit has been previously paid for a partial (grade 2) ligament tera in a policy year, benefit for a subsequent complete (grade3) ligament tear in the same year will be the same as that paid for a partial (grade2) ligament tear.

Benefit is reduced by 50% from the policy holders 70th birthday.

You can add units at any point in time, but you can never reduce the amount of units without first cancelling the policy.

If you cancel the policy, and then restart it will mean the 12 month policy start date will restart, meaning you will have to wait a further12 months before being covered for any hospital stay over 24 hours