I think a pertinent point to raise is this: the people who work on behalf of the Halifax KNOW the service is legitimate, and is actually very valuable to a lot of people. One gets the impression that many on here are merely speculating. No service is right for everyone but the Accident Plan is a good service, say, for the self employed who don't receive sick pay if they have an accident, or people with families. One only has to look at the example of the chap who signed up for the plan and was dubious, but then received all the documentation in the post, as promised, and when his wife had an accident, everything was done to the letter, as promised. Essentially, the plan is a good one, and is legitimate. My question is why nobody looks at the online links which have been provided?