Personal Accident benefits

As a Professional Individual Member you also receive the benefit of a Personal Accident policy if you have an injury that falls into one the categories below.

Operative time : whilst partaking in authorised/recognised activities of People Dancing. 

Maximum age for this cover is 80 years old.


  • Death £5,000                            
  • Permanent Total Disablement £25,000*  
  • Permanent Disabling Injuries £25,000*          
  • Loss of One or More Limbs £25,000      
  • Loss of Sight in One or Both Eyes £25,000  
  • Loss of Hearing in Both Ears £25,000    
  • Loss of Hearing in One Ear £5,000      
  • Loss of Speech £25,000  
  • Broken Leg £200**
  • Broken Arm £100**   
  • Hospital Confinement £30 Per Day for Maximum of 25 Days
  • Emergency Dental Treatment £500*        
  • Temporary Total Disablement £100 Per Week for Maximum of 26 Weeks
  • Convalescence £100 (Following 4 or More Days in Hospital)
  • Physiotherapy - £35 per session (up to a maximum of 6 sessions)

*Benefit reduced by 50% for Insured persons aged 70 years or over

**Benefit amount and the maximum amount payable shall be reduced by 50% in respect of Insured Persons aged 65 years or over

Please note the deferment period in respect of Temporary Total Disablement is 28 days

If you need to make a claim for one of the above please contact Karen Stewart at Howden on 0121 698 8046 or if you wish, please complete a claim form and email it to

For more about People Dancing Membership, please click here 

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