I was ‘encouraged’ to take out an Accidents de la Vie insurance which covers my husband and myself, but I’m rather embarrassed to admt I don’t actually understand what use it is! The lady who encouraged me said things like ‘they will walk your dogs for you’, ‘do your housework’ ‘do your shopping’ and it all sounded like a good idea and it’s not expensive - 18 euros a month to cover us both.
Last week my husband fell from a ladder and broke his foot. He’s in plaster in a convalescent home for two months, at the moment unable to even stand up.
I remembered about the insurance and have just looked at the policy but am still really not much wiser. As I am technically able to do the shopping once my car is back on the road and I’ve recovered from Covid, their help wouldn’t be required or even available, would it?
I’m wondering whether it’s really worth having this insurance unless both of us are unfortunate enough to have an accident at the same time and serious enough to put us both in hospital? I can see it being useful for a single person, but for a couple? What do others think?
In general with insurance policies you have to inform them of the event quite quickly. Since you’ve paid for it why not phone them to report the accident and ask what can be claimed? Gardening, cleaning, etc
Nothing so far. They have asked for reams of information from the hospital, none of which I have at the moment. It’s all in the convalescent home. I’ll see if they will let me have it or copy it next time I visit.