[darren clarke]

http://www.cleaning-insurance.co.uk/personal_accident_insurance.htm

does any one use this personal accident insurance or have insurance

[wpclean]

You have to read the small print ! Most polices like these only pay out if you spend time in hospital after an accident or you lose a limb or die !

Sickness cover has all kinds of exclusions and is very very expensive.

Just make sure you read the small print