90 days from today is Mon, 15 October 2018

West Midlands Police Federation

West Midlands Police Federation contact details

Personal Accident Cover

Personal Accident

24 hour, worldwide, personal accident cover is provided for serving officers and their subscribing partners, unless otherwise stated.

Cover ceases on retirement or at age 70, whichever occurs first.

Temporary disablement *

Cover is provided for serving officers only. If you suffer a bodily injury as a result of an accident, you can claim a weekly benefit for the time you are absent from work. Cover is available for up to 104 weeks from the date of the accident. Benefit is payable from the eighth day of incapacity.

Permanent total disablement (PTD) *

PTD means disablement which entirely prevents the insured person from attending to any business or occupation for 12 months and which, after that time, is beyond hope of improvement. PTD cover is applicable to disablement caused by bodily injury sustained as a result of an accident.

Permanent total loss of sight (in one or both eyes), limb(s), hearing or speech *

If, as a result of bodily injury sustained from an accident, you suffer permanent total loss of sight limb(s), hearing or speech, a benefit payment will be made to you.

Disfigurement/scarring from burns *

Cover is provided for serving offers only.
Face:- if as a result of an accident you sustain facial disfigurement such as permanent scarring or permanent burns to the face and the permanent scarring or permanent burns affect an area of at least one square centimetre a benefit payment will be paid to you according to the size of hte area affected.
Body:- if as a result of an accident you sustain injury which result in permanent scarring or permanent burns to the body and the permanent scarring or permanent bursn affect an area of at least 4.5% of the total body area of benefit payment will be paid to you according to the size of the area affected.

Occupationally acquired HIV/AIDS/Hepatitis B *

Cover is provided for serving officers only. If as a result of a documented incident during the course of your normal duties of employment, you become infected with the HIV/AIDS virus or Hepatitis B a benefit payment wil be paid to you.

Unrecovered Criminal Court Compenstation (following assault)
Cover is provided for serving officers only. If, following an assault, compensation you have been awarded by a court has not been paid within six months from the date of the award, a benefit payment will be made to you.

Offensive weapons assault benefit *

Cover is provided for serving officers only. If you sustain accidental bodily injury in the course of duty, directly caused by the discharge of a firearm, crossbow, shotgun, or stabbing with a sharp instrument, and the injury sustained prevents you from continuing in your pre-assault duties for 7 consecutive days on which you were due to work immediately following the assault, the specified lump sum benefit will be paid to you. Only one benefit will be paid for any one assault.

Hospital benefit *

Cover is provided for serving officers only. If, following an accident, you are admitted to hospital due to the injuries sustained, you will receive a payment for each night of your stay, up to a maximum of seven nights.


* All occurring with 24 months of the date of the accident.

For more information about payments please refer to page 10 of the group insurance policy document.

Privacy Notice

George Burrows is the trading name of Arthur J. Gallagher Insurance Brokers Ltd (AJG). We are the data controller of any personal information you provide to us or personal information that has been provided to us by a third party. We collect and process information about you in order to arrange insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with third parties such as insurers, reinsurers, other brokers, claims handlers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators, police and government agencies or fraud prevention agencies.

We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.georgeburrows.com. If you are providing personal data of another individual to us, you must tell them you are providing their information to us and show them a copy of this notice.