Family Personal Accident Plan

Financial support if there’s an accident

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

 

 

Worldwide 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.

What's covered
  • 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 healh 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.

Read our Family Personal Accident Plan policy booklet (PDF 247 KB)

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

£25,000

£50,000

£75,000

£100,000

£50,000

£100,000

£150,000

£200,000

£100,000

£200,000

£300,000

£400,000

 
Amputation or loss of use of an entire thumb, finger or toe Up to Up to Up to 20% of adult benefit

• Thumb

• Forefinger

• Finger

• Big toe

• Other toe

£3,750

£3,750

£1,250

£3,750

£250

£7,500

£7,500

£2,500

£7,500

£500

£15,000

£15,000

£5,000

£15,000

£1,000

 
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

£25,000

£50,000

£50,000

£100,000

£75,000

£150,000

 
Loss of hearing Up to Up to Up to Equal to adult benefit

• In one ear

• In both ears

£5,000

£25,000

£10,000

£50,000

£20,000

£100,000

 
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

£375

£150

£100

£100

£750

£375

£100

£100

£1,500

£750

£100

£100

 
Dislocations – Limited to one per joint       No cover for children

• Hip

• Knee

• Wrist or elbow

• Ankle, shoulder blade or collar bone

• Thumb, finger, toe or jaw

£275

£175

£125

£100

£100

£550

£350

£250

£150

£100

£1,100

£700

£500

£200

£100

 
Physiotherapy
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

Please note:

• For some sections, cover and benefits for children are reduced or do not apply.

Ready to apply?

Get covered quickly and easily online, today.

How to claim

Get your payment as quickly as possible.

Step 1

Let us know

Call us on 0800 051 5175 to start the claim process.1 Lines are open Monday to Friday 9.00am – 5.00pm.

Step 2

Expert review

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

Step 3

Receive payment

We’ll pay the insured person directly, unless they’re under 16 in which case we’ll pay the parent or guardian on the policy.

Contact us

Still need help? Give us a call.

0800 051 8998

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

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.