Guardian FS withdraws 'unsustainable' fracture cover

Guardian removed the option to add fracture cover to its life and critical illness policies on 15 May. According to the insurer, the decision was made because it was unable to offer fracture protection without general exclusions. To add exclusions, it said, would compromise its "core values", however distributing its fracture cover without standard exclusions would be "unsustainable". Aviva, LV= and Zurich have all applied exclusions to high-risk pastimes such as rugby, horse riding and motorcycle sport in recent years. Following Guardian's removal of fracture cover, Zurich is the ...