Insurer novastris' new personal accident insurance can provide financial assistance

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Personal accident insurance specialist novastris is letting customers know about its new product that can offer financial help to employed, self employed or freelance workers if an accident prevents them from working.

Novastris provide tailor-made insurance solutions

“novastris personal accident cover gives added reassurance by providing a level of financial protection should you be unable to work because of an accident either on a temporary or permanent basis.

novastris is advising customers its new personal accident insurance product can offer financial help in the event of an accident that prevents them from working.

The cover starts from as little as £1.02 per month and can provide all the usual benefits that consumers would expect when they take out personal accident protection.

This includes a tax free lump sum in the event of a fatal accident from a minimum of £10,000 up to five times the individual’s income or a maximum of £250,000. This accidental death benefit can be paid out as specified by the customer. The monthly cost of the cover increases with the increasing benefit but customers can choose the level that suits their needs.

But unlike some personal accident insurance products on the market, a policy purchased from novastris, can also include permanent and temporary disablement cover.

This means that, for example if a self-employed builder earning £30,000-a-year broke his leg on a Sunday morning playing football and was unable to work he would, based on an accidental death benefit of £50,000 that included temporary disablement cover, receive a weekly benefit of £100 until he was able to return to work. This is subject to a maximum of one year. The builder would start receiving his payments after 30 days. The monthly premium for this policy would be £30.20.

If the builder had also included permanent disablement cover in his policy and paid the slightly higher monthly premium of £37.21, he would receive a tax free cash lump sum of £50,000 if an accident caused him to be permanently disabled.

novastris personal accident insurance product is available for employed workers, self-employed and freelance professionals. This includes people with high risk occupations who may have found it difficult to obtain personal accident cover in the past.

Customers can also cover such items as funeral expenses up to £2,500, bereavement counselling up to £2,500 and even help with the cost of converting a home up to £10,000 if accessibility becomes an issue.

There is also a dependants’ package available with a total benefit of up to £20,000 that includes expenses for childcare, domestic assistance and a fixed sum of £5,000 per minor dependant child.

Customers can get a quote and buy novastris personal accident insurance online within minutes by visiting and following the easy-to-use quote calculator which includes setting up a monthly directly debit. Once the simple seven-step online process is complete, policy documents are sent straight to the policyholder’s email address. Cover starts immediately and the first monthly payment comes out of the customer’s bank account 15 days afterwards.

novastris director Steve Nickerson said: “Accidents can and do happen but with novastris personal accident insurance our customers can protect themselves against the unexpected. It gives them peace of mind that should the worst happen, their family will be covered and they needn’t struggle to pay the mortgage or be forced to move house because they can no longer afford to pay the bills.

“novastris personal accident insurance works when you can’t and gives the policyholder added reassurance by providing a level of financial protection should they be unable to work because of an accident either on a temporary or permanent basis. This is specifically important for workers with high-risk jobs, the self-employed or those that freelance for a living.”


novastris Insurance Services Limited is a team of experienced insurance specialists providing tailored insurance solutions to the Financial Services and Affinity Group sectors.

novastris Insurance Services is part of the novastris Insurance Group providing insurance solutions directly to personal clients through novastris Insurance Services Limited and to the wider insurance market through Novastris Underwriting Limited.

Our personal mission is to differentiate ourselves by constantly innovating in the field of product development, competitive pricing and quality of service delivery and to treat each client relationship as a long term, mutually beneficial working relationship.


novastris Insurance Services Limited, Thorncroft Manor, Thorncroft Drive, Dorking Road, Leatherhead, Surrey KT22 8JB.

For further information please contact novastris Insurance Services Limited on 020 3640 6801 or email info(at)novastris(dot)com

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