Personal accident insurance

Frequently asked questions

What is Personal Accident Insurance?

Personal Accident Insurance pays out compensation in the event you are in involved in an accident that causes serious injury, disability or death. Personal Accident if not a life, healthcare or income protection policy.  It does not provide cover in the event of injury or death caused by illness or disease.

How is an accident defined?

An accident means a single, unexpected, unforeseen and unintentional incident that is not a symptom of disease for illness.

Why should I get Personal Accident?

Personal Accident Insurance can protect you and your family from the loss of income that results in not being able to work. Depending on cover chosen, an accident could pay a benefit as a result of death or injury. You’ll be covered for accidents that happen at work, during exercise, on your commute or travelling on holiday anywhere in the world.

One aspect of being involved in an accident that many don’t consider is the stress caused by financial commitments.  The pay out is tax free and is paid in one lump sum.

What's excluded in a Personal Accident Policy?

Exclusions include:-

  • Illness or disease unless it’s as a direct result of an accident
  • Suicide and self-inflicted injuries
  • Reckless or dangerous behaviour.  Including being under the influence of drink or drugs.
  • Injuries caused by being a professional sportsperson

Refer to T&Cs for full list of exclusions.

Do I need a medical, does my occupation matter?

Unlike life insurance, Personal Accident doesn’t need a medical, so pre-existing conditions, lifestyle choices or occupation will not impact eligibility or the premium you pay.

How do I make a claim?

Call us on 0800 051 5175 to start the claims process.  Lines are open Monday to Friday 9 am to 5pm.  One of our team will review the claim and be in contact if they need any more information.

For our joint protection, telephone calls may be recorded and monitored.  Calls to 0800 numbers from UK landlines and mobiles are free.

How do I add/remove a partner/child from my personal accident policy?

If you want to add or remove a partner from your policy please call 0800 158 3993*, alternatively you can email us at: It's the same number and email address if the product you have allows you to cover your child or children.



Find the answers to some of the most frequently asked questions on car, home, health, life and travel insurance cover, pensions, investments and Brexit.

*For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.