Accident & Special Risks

Our Accident & Special Risks range of cover can provide valuable protection for individuals and companies. Cover can include death, disablement, kidnap, hijack, illegal detention and extortion. Our customers also have access to specialist risk management services which can help to reduce the chances of an incident.

Personal accident and travel

Our Personal Accident and Travel policies provide financial protection in the event of death or disablement due to accidental bodily injury. Policies are available to companies, affinity groups, families and individuals including sports professionals and entertainers.

• We cover aviation risks, credit cards, contingent confidential life, evacuation and repatriation, key person protection, war and terrorism risk.
• Policies are available on either a stand-alone basis or as an integral part of an insurance package.
• Benefits may be extended to include sickness benefits and death by natural causes.
• Policies can pay lump sums for accidental death or disablement, capital sums for the loss of sight or limbs or regular payments to cover temporary disablement.
• Benefits can be tailored to individual requirements.

• We are one of the oldest and most experienced participants in the Personal Accident market, with an excellent track record dating back to 1977.
• We offer a fast, friendly and professional service. We deal with unique and non-standard risks every day, and treat every customer as an individual.
• We have a specialised knowledge of particular risks that prevail in different areas of the world.
• We offer a swift turnaround, usually with same-day results.

• We have a specialised in-house claims team staffed by market veterans, some of whom have more than 25 years’ experience.
• We have a very strong knowledge base.
• We lead the majority of business we write and focus on providing a first-class claims service.

Special risks

For more than 25 years we have been protecting families and businesses against the threat of kidnap, extortion, illegal detention and hijack. We have a thorough understanding of the numerous issues that arise during an incident and their impact on the victim, relatives, employers and colleagues.

• Families
• Businesses

• Immediate access to crisis management services when an incident occurs.
• Financial protection against costs incurred, including unlimited fees and expenses of specialist international crisis management services, reimbursement of ransom or extortion payments and cover for any related expenses including salary, rewards, travel and accommodation, and media relations consultancy.
• Policies can be tailored to meet individual requirements.

As part of our service, we provide immediate access to a specialist crisis management company. Experience has shown that specialist advice immediately after an incident significantly increases the chance of safe release.

Our supplier of crisis management support is ASI Global, which provides a portfolio of crisis management, prevention and pre-incident services, delivered through consultants retained exclusively for Travelers. A qualified consultant is deployed on site, usually within 24 hours of notification. For more information, see www.ASIGlobalResponse.com

We encourage our policyholders, whether individuals, families or businesses, to take steps to reduce the chances of a crisis arising in the first instance, by providing guidance on security requirements and crisis management planning, including training on defensive driving and surveillance avoidance techniques. Policyholders also benefit from online access to up-to-the-minute information on the security situation in countries around the world.