Specific injury cover pays a fixed lump sum if you suffer a defined injury — such as a broken bone, burns, loss of a limb or eyesight. It pays quickly, without the need to prove lost income.
From your first conversation right through to completion, Finnovo Finance makes the process smooth and stress-free.
Covers a specific schedule of injuries — fractures, dislocations, burns, loss of limbs and more.
Pays quickly upon diagnosis of a covered injury — no waiting period or income assessment.
Unlike income protection, you don't need to show lost earnings to claim.
Particularly valuable for tradespeople, sports people and those in physical jobs.
We compare specific injury cover across multiple insurers.
Book a free, no-obligation consultation. We'll assess your situation and show you exactly what's possible.
We look at your occupation, lifestyle and existing cover.
We walk you through the injury schedule and what's covered.
We compare specific injury cover across multiple insurers.
We manage the application and get your cover in place.
ACC covers treatment costs and a portion of lost income for accidents. Specific injury cover pays you a lump sum on top of ACC — it's additional financial support, not a replacement.
Common examples include broken bones (with set amounts per bone), serious burns, loss of a limb, eye injuries, dislocations and hospitalisation. Each insurer has their own schedule — we'll show you exactly what's included.
Specific injury cover fills a gap — trauma typically covers life-threatening conditions, and income protection requires a waiting period and proof of lost income. Specific injury pays quickly for accidents that may not trigger either. It's worth considering if you're in a physical job or active lifestyle.
Our insurance advice is completely free — insurers pay us a commission when your policy is placed. There is no cost to you for advice or the application.
Book a free, no-obligation chat with our team today.
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