Deal with charity will make it much easier for limb-disabled to cover vital equipment

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Arthur J Gallagher has unveiled a bespoke scheme that will make it easier for amputees and others with impaired limbs to get insurance for vital equipment such as artificial limbs.

Under a deal with Limbcare, a charity that supports the limb-impaired, Gallagher will offer a package of buildings and contents insurance to cater for anyone with a limb-related disability.

The broker is also working on a travel insurance package for Limbcare Insurance Services customers.

The tailored scheme will be managed by a team trained to meet the needs of those living with disabilities and medical conditions.

A comprehensive insurance for contents can cover damage to or loss of artificial limbs, splints, mobility aids and mobile medical equipment on a new-for-old basis.

The buildings insurance can encompass stair lifts, hoists, lifts/ramps, door alterations and wet rooms in addition to standard features of a buildings policy.

Buildings and contents insurance can either be purchased separately or as a package.

Ray Edwards MBE, Co-founder of Limbcare, said: “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.”

Arthur J Gallagher’s account director for Limbcare Diane Caplehorn said: “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.”

The scheme is being launched through Gallagher’s charity solutions division, which works with other big charities including Asthma UK, the British Cardiac Patients Association, Diabetes UK, the MS Society, Parkinson’s UK and the Stroke Association.

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