Accidental Permanent Injury Insurance

Help if you're permanently injured

Help if you're permanently injured

Accidents happen, but some can be more serious than others. Our cover can help give you financial support if you are permanently injured as the result of an accident.

Cover starting from £2.08 a month

Depending on the level of cover you choose 

Worldwide cover

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

Tax-free lump sum

We’ll provide any benefit as a tax-free lump sum

Is it right for you?

Why get cover

A permanent injury will significantly change how you live your life, and our cover may be able to help you to adjust. We'll pay out valid claims following the completion of treatment and confirmation that the injury is permanent.

Already have cover?

We’ll still pay any benefits from this policy – even if you’re covered by another insurance policy you may have. You should still regularly review your insurances so you're sure your cover still meets your needs.

Why get our plan?

Our cover is designed to support you financially following an accident that causes serious permanent injury.

What's covered
  • Wide range of injuries
    Get covered for loss of limbs or loss of use of arms or legs, plus permanent loss of sight or hearing
  • Tax free lump sum
    We’ll pay out your benefit as a tax-free lump sum 
  • Insure your partner
    You can choose to include your partner in your cover as long as they’re aged 18 – 84 years old inclusive and they live with you
  • No medical required
    This policy doesn’t require a medical, so pre-existing health conditions and life style choices won't affect the premium that you pay 
  • Worldwide cover
    You’re covered for accidental injury anywhere in the world, so long as your main residence is in the UK
  • Cover starting from £2.08 a month
    The price you pay depends on the level of cover you want and if you choose to insure your partner
  • Payment is in addition to any other personal policies you may have
    We’ll pay any benefit regardless of whether the person making the claim is covered by any other personal accident insurance

What's not covered

  • Permanent injury due to illness or disease
    This policy doesn’t cover any injury caused by illness or disease
  • Permanent injury caused by self-inflicted injuries 
    This policy doesn’t cover any injury that is the result of deliberate or reckless self harm or suicide attempt
  • Injuries that don’t result in permanent injury 
    This policy doesn’t cover injuries that don’t result in permanent loss of function (e.g. broken bones, sprains and other soft tissue injuries)
  • Injuries caused by drug or alcohol abuse
    This policy doesn’t cover injuries that are caused by drug use or acts of drunkenness, this includes but not limited to accidents caused when driving under the influence of drink or drugs
  • Injuries caused by being a professional sportsperson
    This policy doesn’t cover injuries caused by training or playing for any sport as a professional sportsperson

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

Read our Accidental Permanent Injury Insurance policy booklet (PDF 223 KB)

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
£2.08 £40,000 £4.19 £40,000
£3.12 £60,000 £6.27 £60,000
£4.19 £80,000 £8.36


£5.22 £100,000 £10.45 £100,000

Monthly premium inclusive of Insurance Premium Tax.

Are you eligible for cover?

You can get accidental permanent injury 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

How are benefits paid out?

You can choose your level of cover from between £40,000 to £100,000. The amount you get will depend on the type of injury you received. The table below shows how much you can receive as a result of an injury.

Cover section: Claim benefits will be paid as a lump sum payment. If multiple injuries are sustained during the same accident, the benefit for each loss will apply as shown below.

Table of benefits

  Percentage of the insured person's benefit payable
Section A – Permanent bodily injury
Please note that the benefits stated for loss of use of arm/leg represent a full loss of use
Amputation One limb 100%
Two limbs 150%
Three limbs 200%
Four limbs 250%
Total loss of use One limb 100%
Two limbs 150%
Three limbs 200%
Four limbs 250%
Other permanent injury 100%
Section B – Sensory disability Loss of sight One eye 100%
Both eyes 200%
Loss of hearing One ear 100%
Both ears 200%

Ready to apply?

Apply for 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

Whatever happens, we’re here when you need us.

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 3

Expert review

Our team of experts will review the claim and be in contact if they need any more information.

Step 3 of 3

Receive payment

We’ll pay the claim benefit directly to the insured person.

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.