Personal Cover

Personal Accident Insurance

Peace of mind for you and your family with straightforward, tax-free cash payouts following accidental injury, disability, or hospitalisation — no jargon, no small print surprises.

What's Covered

  • Lump sum payouts for permanent injury or disability
  • Weekly income benefit while you're unable to work
  • Cover applies 24 hours a day, not just at work
  • No medical underwriting for many policies
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FAQ: Personal Accident Insurance

Is this the same as income protection?

They're related but different — personal accident cover pays out for accidental injury specifically, while income protection covers a wider range of illness and injury causes over a longer term. We can explain which suits you.

Does it cover pre-existing conditions?

Personal accident cover is about accidental injury rather than illness, so pre-existing conditions are less of a factor, but we'll always check the specific policy wording with you.

Who is this suited to?

Anyone who wants a financial safety net if an accident stopped them working — self-employed people in particular often find it valuable since they don't have employer sick pay.

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