Accident cover.
Support when the unexpected happens.
Accidents happen in an instant. Accident cover can help with the financial knock-on effects, from time off work to extra costs during recovery.
What is accident cover?
Accident cover — also known as personal accident insurance — is designed to pay out if you're injured as the result of an accident. Depending on the policy, it can pay a set amount for specific injuries such as fractures, a benefit for time spent in hospital, or a lump sum for serious, life-changing injuries.
It's typically quick to arrange and can be a sensible, affordable addition to other protection — particularly if you lead an active life or your work involves physical activity.
How accident cover can help.
Features vary between insurers. We'll explain exactly what each option includes.
Injury payments
Fixed payments for listed injuries such as broken bones, dislocations and burns, as set out in the policy.
Hospital benefit
A payment for each day or night spent in hospital following an accident.
Serious injury cover
Larger lump sums for permanent or life-changing injuries.
Often simple to arrange
Many accident policies involve fewer health questions than other types of cover.
Flexible levels
Choose the level of cover that fits your budget and lifestyle.
Works alongside other cover
A useful complement to income protection and critical illness cover.
Who it's for.
- Active people who play sport or enjoy the outdoors
- Tradespeople and those in physical roles
- Self-employed people who can't afford time off
- Anyone looking for affordable extra protection
Things to consider
- Accident cover only pays for injuries caused by accidents — not illness.
- Payments are usually set amounts per injury rather than linked to your income.
- Some activities or occupations may be excluded.
That's exactly why advice matters — we'll talk you through the detail.
Get a personalised accident cover quote
Free, no-obligation and tailored to your circumstances.
Getting covered is easy.
Getting the right protection shouldn't be complicated. Here's how we help.
Talk to us
Tell us about you, your family or your business in a free, relaxed conversation — by phone, video or in person.
Get a clear recommendation
We research the options and explain what we recommend, why, and what it costs — in plain English.
Cover in place, and beyond
We handle the paperwork, keep your cover under review and are here to support you if you ever need to claim.
Accident Cover FAQs
What's the difference between accident cover and income protection?
Accident cover pays set amounts for accidental injuries only. Income protection pays a monthly income if you can't work because of illness or injury. They can work well together.
Does accident cover pay for illness?
No. It's designed specifically for injuries caused by accidents. For illness, you'd look at income protection or critical illness cover.
How quickly can I get covered?
Accident cover is often quick to set up. We'll talk you through the options and help you get cover in place.
Is accident cover worth it?
It depends on your lifestyle, work and other cover. We'll give you an honest view on whether it adds real value for you.
Let's talk about accident cover.
Book a free, no-obligation consultation. We'll explain your options clearly and help you choose with confidence.
Free initial consultation · No obligation · Friendly, plain-English advice
The information on this page is for general guidance and isn't personal advice. All cover is subject to the insurer's terms, conditions, exclusions and underwriting. Tax treatment depends on individual circumstances and may change.