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You asked: How is Personal accident insurance different from Life or Healthcare cover?

We have four Personal accident products for you to choose from. In general, personal accident products only pay a benefit if you suffer injuries or die as a direct result of an accident. Injury or death which results from sickness or disease is not covered.

Because accidents can happen to anyone irrespective of their health, unlike Life or Healthcare insurance, we don't ask questions about your health or whether you smoke or have smoked. As long as you are eligible (age 18 or over and under the upper age limit and a UK resident), you can take out personal accident insurance.

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