Optima Personal Accident Individual

Optima Personal Accident Individual is a competitive personal accident policy with flexible levels of cover that can be tailored to individual needs. Cover may be extended to include a selection of sporting pastimes and Continental Scale e.g. loss of fingers and toes.

Terms, conditions and exclusions apply. Please refer to the Policy Wording and Policy Summary for further details. We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.


Who is it for?

  • Self employed and employed people with clerical and/or light manual occupations


  • 20%

Minimum premium starts from

  • £100.00 +IPT

How to get a quote

Via our Personal Accident Underwriting Team in London on 0370 241 6182 or by email: patravel.underwriting@ageas.co.uk


Available cover includes the following:

Cover Optima Personal Accident Business
Standard package provides
  • Death*
  • Loss of limb or limbs*
  • Loss of sight*
  • Loss of speech*
  • Loss of hearing*
  • Permanent total disablement*
  • Temporary total disablement** 
  • Illness** 

*  Up to limit of five times annual gross salary
** Weekly benefit – up to limit of 75% of gross weekly wage. Payable up to a maximum of two years

Deferment period and excesses
  • Temporary total disablement 7, 14 or 21* days deferment period (varies by occupation)
  • Clothing and personal property £50 franchise

* This can be increased for a premium reduction. We will also consider excess periods in place of deferment periods


  • Clothing and personal property up to £150
  • Hospital benefit £50 a day for up to 100 days
  • Kidnap and hijack benefit up to £2,000


Broker toolkit

Optima Personal Accident Individual