Cover the unexpected
Our plan helps support you and your family in the event of an accidental death, injury or hospital stay.
3 levels of cover
Choose from Bronze, Silver or Gold
From £3.02 a month
For adult only cover – you can choose to add family members to your cover
If your main private residence is in the UK, you’ll be covered globally
Is it right for you?
If you already have health cover
You’ll receive a benefit 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.
Cover your family
It’s flexible – you can choose to cover just you, you and your partner, or you, your partner and any number of children.
Why get our plan?
Our policy lets you choose the level of cover you need.
- Wide range of cover
Accidental death, permanent injury, amputation of arms and legs, loss of sight, broken bones, dislocation and loss of hearing all covered
- 3 levels of cover
With 3 options, you can get cover that suits you. Check our policy document for full details
- From £3.02 a month
Premiums differ depending on who’s covered, and which level of cover you choose
- Worldwide cover
As long as your main residence is in the UK. Anyone else covered will need their main residence to be in the UK too
- No medical required
This policy doesn't require a medical, so pre-existing health conditons and life style choices won't affect the premium that you pay
- Insure your partner and children
You can choose to include your partner and children in your cover provided they meet the eligibility criteria.
What's not covered
- Illness and other causes
Sickness and disease isn’t covered, unless it was directly caused by an accident, other losses of function that aren't caused by an accident also won't be covered
- Suicide and self-inflicted injuries
If your accident is because of a suicide attempt or a self-inflicted injury you won’t be covered
- Reckless or dangerous behaviour
If your accident is due to reckless or dangerous behaviour you won’t be covered – this includes drug use and driving under the influence of drink or drugs
- Professional sports
Taking part in or training for any sport as a professional sportsperson isn’t covered
- Restrictions apply for children in some sections of cover
Children are not covered for some injuries, such as broken bones and disclocations
Take a look at our policy booklet for full details of what's not covered.
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?
There are 3 levels of cover, with prices starting at just £3.02 per month. You can see the full details of what's covered in each tier on our table of benefits.
|Who's covered||Bronze cover||Silver cover||Gold cover|
|Adult only||£3.02 / month||£5.24 / month||£8.48 / month|
|Adult and children||£4.69 / month||£7.67 / month||£12.52 / month|
|Adult and partner||£6.07 / month||£10.51 / month||£16.56 / month|
|Family||£7.87 / month||£12.92 / month||£20.61 / month|
Monthly premium inclusive of Insurance Premium Tax.
Are you eligible for our Family Personal Accident Plan?
You can get 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
Children are eligible for cover if they’re between 6 months – 23 years old inclusive, provided they’re not married or in a civil partnership.
Children must live with you or their other parent at a UK address.
How are benefits paid out?
The amount we’ll pay out for a successful claim depends on the level of cover you choose and the type of injury. Make sure you check the benefits of each cover to see which best fits your needs.
If multiple injuries are sustained during the same accident, the benefit for each loss will apply. Claim benefits will be paid as shown below.
Table of benefits
|Adult benefit||Child benefit|
|Bronze cover||Silver cover||Gold cover|
|Section A - Accidental Death|
|Adult – Accidental Death||£12,500||£25,000||£50,000|
|Child – Accidental Death||£5,000||£7,500||£10,000|
|Section B – Permanent bodily injury|
|Amputation or loss of use of a limb||Up to||Up to||Up to||Equal to adult benefit|
• One limb
• Two limbs
• Three limbs
• Four limbs
|Amputation or loss of use of an entire thumb, finger or toe||Up to||Up to||Up to||20% of adult benefit|
• Big toe
• Other toe
|Other permanent injury |
Maximum age limit – state pension age
|£25,000||£50,000||£100,000||No cover for children|
|Section C – Sensory disability|
|Loss of sight||Up to||Up to||Up to||Equal to adult benefit|
• In one eye
• In both eyes
|Loss of hearing||Up to||Up to||Up to||Equal to adult benefit|
• In one ear
• In both ears
|Loss of speech||£25,000||£50,000||£100,000||Equal to adult benefit|
|Section D - Burns|
|Full thickness (3rd degree) covering 9% or more of the body surface||£5,000||£10,000||£20,000||Equal to adult benefit|
|Full thickness (3rd degree) covering less than 9% of the body surface||£500||£1,000||£2,000||Equal to adult benefit|
|Section E – Breaks and Dislocations|
|Broken bones (fractures)||No cover for children|
• Skull, spine, sternum, pelvis, hip, leg or ankle
• Collar bone, shoulder, arm, elbow or wrist
• Thumb, fingers or toes
• All other bones including hand, foot and rib cage
|Dislocations – Limited to one per joint||No cover for children|
• Wrist or elbow
• Ankle, shoulder blade or collar bone
• Thumb, finger, toe or jaw
Following a claim under section E
|£60 per session |
Max 4 sessions
|£60 per session |
Max 8 sessions
|£60 per session |
Max 12 sessions
|No cover for children|
|Section F – Hospitalisation|
|For a hospital stay over 48 hours, we will pay for each 24 hours hospitalised following an accident up to a max of 100 days per person during the life of this policy||£50 per day||£50 per day||£50 per day||Equal to adult benefit|
- For some sections, cover and benefits for children are reduced or do not apply. Claim limitations apply – please see our policy booklet for full details.
Ready to apply?
Get covered 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.
Looking for something else?
We offer a range of personal accident cover.
Still need help? Give us a call
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.