Accidental Death Insurance

Protection from the unexpected

Cover if the worst happens

No one likes to think about it, and we hope it never happens, but there's always a chance that you may be involved in a serious accident. It's important to plan for what happens next, our cover helps your partner or family with financial support. 

Tax-free lump sum

We’ll pay out any benefit as a single tax-free lump sum

From £1.85 a month

Depending on your level of cover and if you choose to insure a partner

Worldwide cover

You’re covered across the globe as long as your main residence is in the UK

Is this right for me?

If you already have life or health cover

The benefit will be paid even if you already have life or health insurance separately. Unlike life insurance, this policy doesn’t require a medical, so pre-existing health conditions and life style choices won't affect the premium that you pay.

Insure your partner

You can choose to include your partner as long as they’re aged 18 – 84 years old inclusive and they live with you.

Why get our plan?

Our policy lets you choose the level of cover you need.

What's covered
  • Accidental death
    Covers death from an unexpected and unintentional accident that isn’t the symptom of a disease or illness
  • Worldwide cover
    As long as your main residence is in the UK, you’re covered if you die as a result of an accident anywhere in the world
  • Tax-free lump sum
    We’ll pay a tax-free lump sum if you die as a result of an accident
  • Cover from £1.85 a month
    For an individual who selects £20,000 of cover
  • Payment is in addition to any other policy
    We’ll pay any benefit regardless of whether the person making the claim is covered by other insurance policies

What's not covered

  • Death by illness or disease 
    This policy doesn’t cover death caused by illness or disease
  • Suicide and self-inflicted injuries
    You won’t be covered if your death is the result of suicide or self-inflicted harm
  • Reckless or dangerous behaviour 
    You’re not covered if your accident is due to reckless or dangerous behaviour including driving under the influence of drink or drugs

Take a look at our policy booklet for full details of what's not covered.

Read our Accidental Death Insurance policy booklet PDF (202 KB)

Important documents

Everything you need to know before buying a new policy can be seen here.

If you already have a policy, please read the documents we sent to you.

What does it cost?

You can choose the level of cover that is right for you and see how much it will cost. If you want, you can also insure your partner. 

Cover for you Cover for you and your partner
Monthly Premium Value of cover Monthly premium Value of cover per insured person
£1.85 £20,000 £3.70 £20,000
£3.70 £40,000 £7.39 £40,000
£5.54 £60,000 £11.10


£7.39 £80,000 £14.80 £80,000
£9.25 £100,000 £18.49 £100,000
£11.10 £120,000 £22.19 £120,000
£12.95 £140,000 £25.89 £140,000
£13.87 £150,000 £27.73 £150,000

Monthly premium inclusive of Insurance Premium Tax.

Are you eligible for Accidental Death Insurance?

You can get accidental death cover for you and your partner if you're both:

  • Aged between 18 – 84 years old inclusive
  • Resident in the UK, at the same address

Ready to apply?

Apply for your cover quickly and easily online today.

If you want to cancel or need to make a change to your policy following your purchase you’ll need to get in touch by phone or email us and we’ll be happy to make the changes for you.

How our claims process works

If your family or loved ones need to make a claim, we’ll make sure the process is as smooth as possible.

Step 1 of 3

Let us know

Call us on 0800 051 5175 to start the claim process.^ Lines are open Monday to Friday 9:00am to 5:00pm.

Step 2 of 2

Expert review

Our team of experts will review the claim and be in contact if they need any more information such as medical consent forms or any contact information relating to the accident.

Step 3 of 3

Paying your claim

If the claim is successful we’ll make the payment direct to the executors or administrators of your estate.

Looking for something else?

We offer a range of personal accident cover.

Contact us

Still need help? Give us a call

0800 051 8998

Monday to Friday: 9:00am - 5:00pm

Weekends and Bank Holidays: Closed

For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.