Tots to Teens - protection for just £1.99 per child per month

As a child, growing up is a precious time. As a parent, step-parent or guardian, it can also be a time of worry for their wellbeing and safety when they're out and about. It goes without saying that we all try to do everything we can to look after them.

That's why we have introduced Tots to Teens - a new, low-cost insurance policy that gives you:

• A tax-free* lump sum of up to £100,000 to help you and your child should he or she suffer a permanent and totally disabling accident.
• The financial support to help you make the necessary changes to you and your child's life should the worst happen - for just £1.99 per month per child.

* Under current tax legislation.

In the event of a claim, you can use the policy payment for alterations to your home, arranging specialist care or to provide an investment 'nest egg' if you need to give up your job to care for them on a full-time basis. You decide what suits you and your child's needs the best.

• Tots to teens is available for children from 12 months to 18 years of age, covering them anywhere in the world for up to 12 weeks in any 52 week period.
• Importantly, we don't ask for a medical and the no-quibble policy will help you look after your child right when you need it most.

The policy will be in your name and your child or children will be named as beneficiaries of the cover.

Click on apply now for the monthly premium details. Complete your application following the instructions and your cover will start on the next working day following submission providing your Direct Debit details are valid. For a summary of what is covered, please see our Key Facts.

Key features

• No medical examination required.
• Worldwide cover, 24/7.
• Policy costs just £1.99 per child, per month - or 7p a day.
• Cover up to £100,000 per child.
• £250 towards recuperation following surgery.
• A free gift with every Tots to Teens policy.
• All cash benefits are tax-free (under current legislation).

Exclusions or limitations

• For full details of all exclusions please see our Key Facts document.

Type of injury	Amount of cover
Permanent total disability	£100,000
Total loss of sight in one or both eyes	£50,000
Total loss or loss of use of a hand or foot	£50,000
Loss of speech	£25,000
Loss of hearing (both ears)	£25,000
Loss of hearing (one ear)	£10,000
Loss or loss of use of any thumb, finger or toe	£5,000
Accidental death benefit	£2,500
Recuperation benefit following surgery	£250