28/06/2023
Staying Safe Outdoors: The Importance of Personal Accident Insurance in Summer
Summer is a time when we eagerly embrace outdoor activities, enjoying the warmth of the sun and the beauty of nature. However, it's essential to be aware of the potential accidents that can occur while engaging in outdoor pursuits. From sports injuries to recreational mishaps, accidents outside during summer can have significant consequences. That's why having personal accident insurance becomes crucial. In this blog, we will explore the importance of personal accident insurance in protecting yourself from outdoor accidents during the summer months.
Coverage for Outdoor Activities:
During summer, we participate in various outdoor activities such as hiking, biking, swimming, and sports. While these activities bring joy and excitement, they also carry inherent risks, with 40% of people in the UK having been injured at some point in their lives whilst playing sport, and 34% of those still experiencing some kind of effect from the damage.1 Personal accident insurance provides coverage for accidents that may occur during these activities, offering financial protection in the form of a cash lump sum, and, with certain providers, cover for UK and select European hospital stays.
Protection against Unforeseen Events:
Accidents can happen when we least expect them, and seemingly harmless activities in the garden have the potential to take a serious turn, with around 300,000 people falling victim to garden-related incidents each year.2 Who would have thought that a fun family BBQ could result in a nasty burn or scald, or that a spot of light gardening could mean a trip to A&E because of a tools related injury? Accident protection ensures that you are prepared for unexpected events, helping you navigate through challenging times without additional financial stress. This support allows you to focus on your rehabilitation and well-being.
Supplementing Existing Insurance Coverage:
While you may already have health insurance, personal accident insurance complements your existing coverage. Health insurance typically covers medical treatments and hospitalisation, but personal accident insurance specifically focuses on accidents and provides additional benefits tailored to accident-related injuries – you can even choose protection to suit an active lifestyle so you can keep enjoying the activities you love.3 This comprehensive coverage ensures that you have the necessary protection for a wide range of outdoor accidents.
Contact Owl Financial to find out more about Accident Protection and other options available to protect you and your loved ones.
As you embrace the outdoor adventures that summer brings, it's crucial to prioritise your safety – whilst being aware of your surroundings and watching out for hazards is of course important, accidents can happen unexpectedly, and their impact can be significant. So, before you embark on your summer adventures, consider the importance of personal accident insurance. By having this in place, you can fully enjoy your outdoor activities with confidence. Get in touch with our expert team through Find an Adviser or Contact Us today – we’ll help you to keep you and your family financially secure this summer and beyond.
- https://www.theguardian.com/sport/2022/nov/10/survey-injury-long-term-effects-podium-yougov
- https://www.rospa.com/faqs/detail?id=80
- https://www.metlife.co.uk/openwork/customer/
Approved by Openwork Limited on 19/06/23
OW4459 Exp 19/06/24
