Are there any exclusions when it comes to Personal Accident Insurance?

Persons engaged in the following occupations are excluded:

  • Aircraft pilots and crew
  • Armed Forces personnel
  • Artistes engaged in hazardous performances
  • Aerial crop sprayer
  • Bookmaker (for gambling)
  • Demolition contractor
  • Explosives users
  • Fisherman (seagoing)
  • Jockey
  • Marine salvager
  • Miner and other occupations underground
  • Off-shore oil or gas rig worker
  • Policeman (Full time)
  • Pop Musicians
  • Professional sportsperson
  • Roofing contractors and all construction, maintenance, and repair workers at heights in excess of 50ft/15m
  • Saw miller
  • Scaffold Worker
  • Scrap metal merchant
  • Security guard (armed)
  • Steeplejack
  • Stevedore
  • Structural steelworker
  • Tower crane operator
  • Tree feller
  • Ship crew


For the full list of exclusions, please review our Personal Accident Insurance terms and conditions.

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