Amputees and the limb impaired can now benefit from access to bespoke home insurance products following the launch of a new scheme by charity Limbcare.
Limbcare — which was established in 2010 by quad amputee Ray Edwards MBE to support amputees, the limb-impaired and their families — has entered into a three-year deal with broker Arthur J. Gallagher, which designs and develops specialist insurance schemes for people with pre-existing medical conditions and disabilities.
Under the new deal, Limbcare Insurance Services will provide buildings and contents insurance, with features and benefits tailored to meet customer requirements, from its specially trained team experienced in meeting the needs of those living with disabilities, extending the offering into travel insurance in due course.
Buildings and contents insurance can either be purchased separately or together as a package policy. Its comprehensive insurance for contents can cover damage to or loss of prosthetics and orthotics, mobility aids and mobile medical equipment on a new-for-old basis, while its buildings insurance can encompass stair lifts, hoists, lifts/ramps, door alterations and wet rooms in addition to standard features of a buildings policy.
Diane Caplehorn, Arthur J. Gallagher’s account director for Limbcare, said: “Limbcare is a very specialist charity designed to help people live a more independent life. As so many disabled people or those with pre-existing medical conditions will have found, getting competitive insurance quotations can be difficult and time consuming, which is why we began devising specialist schemes for the charities supporting them.
“We have worked with Limbcare to tailor our product and service so that it’s aligned with what amputees and the limb-impaired really need from their insurance cover. We take pride in offering a personal service and anxiety-free experience, with our experienced team able to make prompt decisions and tailor cover.”
Ray Edwards MBE, Co-founder of Limbcare, added: “Prosthetics and mobility aids are an essential part of life for an amputee, but until now it has been almost impossible to get insurance to cover these items. With the launch of Limbcare Insurance Services not only can we ensure they are included as standard, but also provide all-important peace-of-mind. It can be very stressful if any of these items are lost, stolen or damaged but individuals can now be confident our new home insurance package will cover them for such financial loss.”