A central resource for individuals with congenital or aquired limb loss, their families, carers and healthcare professionals
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Finance?

1. Why do I need accidental damage cover?
For buildings insurance, it covers things like putting your foot through the ceiling. Other claims, could be for the glass in an integral oven exploding. For contents, it could cover repairs for damage to a carpet caused by spilt paint, wine etc.

2. Why should I arrange cover for my prosthetic limb?
This is more relevant if you have your prosthetic limbs made privately. As you know, these can be extremely expensive and if they are damaged due to an accident or stolen, you may not have the funds to replace them immediately. By insuring them, you are secure in the knowledge that apart from the excess (generally £50) that the policy will pay for their replacement cost (subject of course to them being insured for the correct value in the first instance)

3. Why do I need cover for my wheelchair?
If you have paid for the wheelchair yourself, you will realise how much they  can cost to replace. They do get stolen occasionally but are often damaged when travelling, particularly by plane. Again, subject to the excess, you know that a replacement wheelchair will be available.

4. Why do I need travel insurance?
As well as medical insurance which is vital if travelling abroad, even with E111, you are also covered for cancellation or curtailment due to your own sickness or accident, that of a member of your immediate family or now that of a carer. People forget that this should be taken out even for day trips to France, accidents can happen at any time or anywhere.

Many policies also do not cover cancellation/curtailment due to terrorism, our policy does; an important point to consider with what is happening in the world at the present time

The policy will also cover wheelchairs worldwide if your current household policy does not extend to include this, although the total value will be restricted.

5. What sums insured do I require?
For the building sum insured, you should check the valuation provided by the Building Society and ensure that it has been index-linked to cover the cost of rebuilding and the costs of debris removal etc. If in doubt, contact a professional valuer. For Contents Insurance, you should go through each room and calculate the cost of replacing all the items. Don’t forget the contents of the cupboards, i.e. crockery, glasses, books, ornaments etc. Also remember children’s toys – computer games are v

5 What sums insured do I require?

For the building sum insured, you should check the valuation provided by the Building Society and ensure that it has been index-linked to cover the cost of rebuilding and the costs of debris removal etc. If in doubt, contact a professional valuer. For contents insurance, you should go through each room and calculate the cost of replacing all the items, don’t forgot what’s in the cupboards ie crockery, glasses, books and the children’s toys (computer games are very expensive).