A severe accident or illness can leave you financially and personally devastated - and it happens far more often than you think. One third of us will become disabled for six months or more before the age of 65, and 2 in every 5 males aged over 30 will suffer a critical illness before they retire.

Trauma insurance will pay out a lump sum benefit if you suffer specific conditions such as a heart attack, stroke, cancer, diabetes, major head trauma, burns or loss of a limb. The insurance companies Ownit deals with cover more than 60 different conditions that could strike anyone at any age.

You can choose how to spend your lump sum payment. Replace lost income while undergoing treatment or recovery; pay off your mortgage or debt, buy specialist equipment; modify your home to provide disabled access, cover your childcare costs or tick off your bucket list.

Trauma policies do vary in terms of the conditions covered, the sum insured, and the payout options. Your Ownit adviser will help choose a policy that best meets your needs.

Insurance Policies


How are insurance advisers paid?

Insurance advisers receive a commission directly from the insurance company when a new customer signs up. The commission rates are roughly the same for each insurer, so it does not sway our decision on which policies to recommend. Our service is free to you.

Can I trust an insurance company to pay out?

Yes. Ownit only deals with the best insurance companies who offer the best policies and coverage. Paying monthly or annual premiums can feel like a waste of money, but should you ever need to make a substantial claim it will be worth every cent. Making sure you have the right insurance in place to begin with is the key to ensuring claims are paid out.

Do I need insurance?

If you have financial obligations (like rent or mortgage repayments) or a family who rely upon you and your income, personal insurance is a smart move. The right level of cover will give you financial security if things go wrong. It will also allow your partner to take time off work so you can be together as a family in difficult times. Your health is your most valuable asset thats worth protecting at any age.

How much information do I need to disclose?

The more detail you can provide to our Ownit advisers and your potential insurer, the better. All medical and personal information is strictly confidential. Full disclosure is the best way to ensure any future claims will be paid.

What does an insurance rating mean?

Each insurance company has a rating which indicates their financial strength, stability and vulnerability to adverse market conditions. This is one factor worth considering when choosing which insurance provider to sign up with.

When should I take out personal insurance?

Insurance companies will always exclude pre-existing conditions so the sooner you take out your policies, the better. Think of it like car insurance if you bring in a banged up car, you wont be insured for the dents and damage that already exist. Similarly, if you suffer a major injury or illness and then try to organise insurance, you will not be covered for that condition.

Q: How do I make a claim?

Just give your Ownit adviser a call and we will make the claim on your behalf to ensure the process runs smoothly for you.

What do our clients think?

  • Natalya

    'Awesome team. Made the process of buying a home very easy! Thank you.'

    Natalya Udochkin

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