An accidents only policy pays lump sum benefits following permanent total or partial disablement, dismemberment or death caused by an accident and weekly benefits for temporary total disablement. The policy is renewable annually but similar cover is available under travel policies. Hazardous pursuits (e.g. mountaineering) are excluded but can usually be bought back. A weekly/ monthly benefit can be added for total disablement through sickness – a personal accident and sickness policy. See CONTINTENTAL SCALE; INCOME PROTECTION.