NHS PCTs expect YOU to Insure!
Your local Primary Care Trust, which owns your insulin pump, expects YOU to insure it for £3,000. Dudley PCT states “the pump remains at all times the property of the trust, but needs to be insured by the family for £3,000 on the home insurance”
Katie & John's Story
Katie, my 12 year old daughter with Type 1 diabetes, was moved to insulin pump therapy early in 2011. When the pump was delivered, the NHS Diabetic Nurse and the pump manufacturer's rep told us to have the pump insured. My home contents insurance policy would not cover such an expensive item and I didn't want to move to a more expensive policy just to cover Katie's pump. As I work in the insurance market, I could see a real need for a specialist insurance product for insulin pumps.
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Insurance checklist
Medical equipment covered?
Cover a pump worth £3,000?
Is loss also covered?
What proof of ownership and value do they need?
How long will it take to send out a new pump?
Covered abroad?
Can a loaner pump be covered?
What is the excess on making a claim?
If you claim, will it increase your home policy in subsequent years?
comprehensive cover
Our policy not only includes theft and accidental damage, we also cover loss. This is for the pump and any handsets you may have.
any age
Whether it is a pump you have had for a while or a brand new pump, our cover will protect you. If your child is the user, we also have no age restrictions.
loan pumps
We now understand pump manufacturers will often lend you a pump if you are away on holiday or business so long as you insure their pump. We automatically cover these pumps at no extra charge if your main pump is already insured with us. This is great value since whilst the loaned pump is not being used it is much more likely to be lost or stolen.
going abroad
So long as you are a UK resident, we also cover the pump for up to 90 days worldwide whether for business or holiday.
quick and simple
Our policy can be purchased online, we only require the make and serial number of the pump. We do not need any proof of ownership or a valuation for the pump.
direct debit
We collect premiums by direct debit since this is much cheaper than by credit or debit card and we want to keep costs down.
Additionally, if we can demonstrate to the underwriters that there is a low level of claims (loss ratio in insurance-speak) then we intend to lower the premiums accordingly. You will not need to do anything.
policy details
You should carefully review the policy documents to make sure the policy suits your need. You can always call or email us if you have any questions.
fully regulated
Check out all of the details of who we are in the footer. Insurance is a regulated activity policed by the FSA and this policy is underwritten at Lloyd’s of London, one of the best known and oldest insurers in the world.
This also means that you receive all of the normal insurance protections such as being able to cancel at any time.
uk claims handling
Our claims handling team understand what an insulin pump is and how important it is to quickly settle a claim.
no excess
Unlike most home contents policies, we do not charge an excess if you make a claim.
direct shipment
We have purchasing agreements with all of the major manufacturers so we can quickly authorize a replacement pump to be sent directly to you. Speed is of the essence.
