Personal Accident Plan

What would happen if you suffered a serious injury? It’s likely you’ll need to take some time off work to recover, which could hit your earnings. The Personal Accident Plan pays out a lump sum benefit if you suffer a specified injury, which means you can concentrate on getting better without having to worry about money.
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The Personal Accident Plan provides cash benefits from fractures and serious accidents

We all believe ‘it will never happen to me’ but I’m sure you’re aware of someone who has suffered a serious accident – either at work, in a car or at home. Ask yourself…what would happen if I suffered a serious injury?

It’s likely you’ll need to take some time off work to recover, which could hit your earnings. And then there are other financial costs – perhaps you’ll need to make changes around the house or other expensive lifestyle changes. Let’s not forget the inconvenience and disruption to your life and those around you either.

This is why the Personal Accident Plan could prove invaluable. It pays out a lump sum benefit if you suffer a specified injury. With up to €100,000 of benefits on the Premier Plus Plan, it means if you suffer an accident you can concentrate on getting better without having to worry about money. Download our guide or read on for more details.

Personal Accident Plan guide cover

Get a quote and apply today

You can apply for a Personal Accident Plan today. Click on the link below for our online application form.

Plan highlights


Flexible cover: choose to protect yourself, your partner and your children


Premier Plan: 21 fracture benefits plus three additional cash benefits


Premier Plus Plan: All the benefits from the Premier Plan and a further 18 accidental injury benefits


Covers injuries from winter sports, rugby, football and GAA sports


Maximum benefits: €100,000 under the Premier Plus Plan


Fracture benefits and cash lump sums from serious injuries

Personal Accident (SYM)

What's included?

The Personal Accident Plan is available with 2 levels of cover: Premier or Premier Plus. Below we outline the benefits of both plans.

Lower jaw€750€1,125€1,500
Breast bone€750€1,125€1,500
Shoulder blade€750€1,125€1,500
Upper arm€750€1,125€1,500
Vertabral (body)€1,500€2,250€3,000
Lower arm€750€1,125€1,500
Upper leg€1,500€2,250€3,000
Knee cap€750€1,125€1,500
Lower leg (fibula) €750€1,125€1,500
Lower leg (tibia) €750€1,125€1,500
Additional cash benefits
Anterior cruciate ligament injury€750€1,125€1,500
Burns and permanent scarring€5,000€7,500€10,000
Accidental death - adults€25,000€37,500€50,000
Accidental death - children€2,500€3,750€5,000
* Excludes fingers and toes

Includes all the benefits from the Premier Plan – plus a further 18 Serious Accident Benefits. Children can be covered too – see the Policy Document in the Literature Library for full details.

Permanent total disability€50,000€75,000€100,000
Loss of sight in both eyes€50,000€75,000€100,000
Loss of use of two limbs€50,000€75,000€100,000
Permanent brain damage€50,000€75,000€100,000
Loss of sight in one eye€25,000€37,500€50,000
Loss of use of one limb€25,000€37,500€50,000
Loss of speech€25,000€37,500€50,000
Loss of hearing in both ears€25,000€37,500€50,000
Loss of hearing in one ear€5,000€7,500€10,000
Loss of use of: a shoulder or elbow€10,000€15,000€20,000
Loss of use of: a wrist, thumb, hip, knee or ankle€7,500€11,250€15,000
Loss of use of: any finger or big toe€2,500€3,750€5,000
Loss of use of: any other toe€1,250€1,875€2,500
Daily Hospitalisation benefit*€50 per
€75 per
€100 per
Lump sum hospitalisation benefit following 14 days continuous hospitalisation€500€750€1,000
Accidental Death**€50,000€75,000€100,000
*Excluding the first 24 hours and up to maximum of 45 days in hospital
**This accidental death benefit replaces the accidental death benefit in the Premier Plan

I put in a claim in beginning of October and they sorted it out very quickly and I’m with them good few years never had any complaints thank you.

Jacqeline McHugh 
Jacqeline McHugh

Great service as always.


Friendly company, fast response, I am satisfied with the services and contact.


Extremally efficient company to deal with, totally satisfied with Lynsey who always answered any query I had with accurate information. Would not hesitate to recommend them.


Rob is very easy to deal with. Many people at the yard I have my horse has signed up to Hive Insurance. Great plains available for small monthly payments.


I recently purchased equine insurance from Hive Insurance after a recommendation from a riding centre. Rob was very professional, knowledgeable, helpful and assisted in myself and my children all having cover before the end of the day! There were three options of cover to choose from.

I couldn’t be happier with my experience and have been passing his details to my equestrian friends.

Highly recommend!


As an ISSA member, I had an accident and put in a claim with Hive here in Ireland and I have to say, the service was great and really helpful, but the best bit was my claim was dealt with and paid out within a week! Couldn’t recommend them enough.


“With all sports, the risk of injury is always present and equestrian sport is no different and in the case of our yard, where the risk ranges from 128cm ponies through to Grand Prix horses, covering Riders, Grooms and Yard Staff the danger seems ever present. Therefore, these day every risks combined with the issues surrounding Irish equestrian insurance; the launch of the Equine Safety Initiative could not be more perfectly timed in my opinion. Furthermore, after a visit, Rob McOwan expertly and efficiently introduced and implemented the roll out of the ESI to everyone involved within our yard without any disruption. Highly recommend everyone involved in horses gets behind and supports this initiative as we will all benefit from it in the short and long term”.

Melvyn Kennedy, Hughes Kennedy Show Jumping 
Melvyn Kennedy, Hughes Kennedy Show Jumping

“Having spoken with Rob at Hive, he was able to offer me a superb policy which gave me peace of mind to get back into the saddle once restrictions eased during the year. As an active member in the AIRC, I was delighted to recommend this initiative to all our club members as Hive’s customer service and expertise in the equine industry is second to none”.

Elaine Lynch, AIRC Member 
Elaine Lynch, AIRC Member

“I am proud to be working with Hive Insurance Services as I think their approach to Irish Equine Insurance is breath of fresh air and very much needed within our industry.”

“Their alliance with all of the various equestrian governing bodies and their introduction of the Equine Safety Initiative (ESI) is just one example and I strongly believe that if we all get behind, support and promote this important safety program; given time, the Irish equine insurance market could change for the better, with less small claims burdening our equestrian businesses premiums could stabilise, even drop… can you imagine that!”

Heike Holstein, Olympic Dressage Rider 
Heike Holstein, Olympic Dressage Rider

What's not included?

These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.


War and terrorism


Riding a motorcycle, moped or scooter


Rock climbing or mountaineering


Flying except as a fare-paying passenger


Competing in any race other than on foot or whilst swimming


Illegal acts, use of explosives, suicide or self-inflicted injury


Being under the influence of alcohol or drugs


Who can apply?
You must be over 18 and under 65 years of age. You also need to be a resident in the Republic of Ireland.
What do we mean by a fracture?
“Fracture” means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor.
Who underwrites the plan?
Maiden Life Försäkrings AB

Maiden Life underwrite our Personal Accident Plan. They provide insurance solutions throughout Europe, protecting thousands of people just like you against accidents and sickness.

How do I make a claim?

Simply call our claims handler, Davies Ireland, on 01 623 8471 for a claim form and for information on your claim.

Get in touch

From death and serious illness, through to accidents and help with everyday medical bills, we help to provide peace of mind and we’re here when you need us most. Here’s how to get in touch.


Hive Insurance Services, Office 15, Lakeview Point, Unit 24, Claregalway Corporate Park, Claregalway, Co. Galway, H91 PX38

074 9161868

Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes


You can contact us directly by emailing

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