Personal Accident Insurance from £5.40/month

What does personal accident insurance cover?

Personal accident insurance pays a cash benefit if illness or injury stops you from working, or a lump sum if an accident causes permanent disability or death. It is bought by self-employed tradespeople, contractors, directors and key employees whose income depends on being able to work — and by employers as a benefit for staff in higher-risk roles.

Weekly income benefit

Temporary total disablement (TTD) pays a chosen weekly amount — typically £200–£1,000 — while you are medically certified as unable to work. Cover usually runs for up to 104 weeks per claim after a deferred period of 1, 2, 4 or 13 weeks. The deferred period is the lever that drives premium most: a sole-trader plumber on a 4-week deferred pays significantly less than the same person on a "day one" cover.

Permanent disability and capital benefits

Permanent total disablement pays a lump sum (commonly £50,000–£500,000) if you are permanently unable to work in any occupation. Specified injuries — loss of sight, loss of limb, loss of hearing, paralysis — pay scheduled percentages of the capital sum. Accidental death pays the full capital sum to your estate or nominated beneficiary.

Accident-only vs accident and sickness

An accident-only policy responds only to injury caused by sudden, external, violent means — it does not pay for illness, back pain, stress or surgery recovery unless those are the direct result of a covered accident. Accident and sickness cover adds illness to the weekly income benefit, which is what most self-employed people actually need. Premium roughly doubles, but the claim profile changes completely — illness causes far more lost income than accidents.

Group and director schemes

Employers buy group personal accident as a benefit for staff in physical roles or as keyperson cover for directors. Group schemes are typically cheaper per head than individual policies and can be written on a 24-hour basis (covering accidents at any time) or occupational only (during working hours).

Common questions about personal accident insurance

Is personal accident the same as income protection?

No. Personal accident pays a fixed benefit for a maximum period (typically 104 weeks) and is comparatively simple to underwrite and claim. Income protection is a long-term insurance product paying to retirement age with stricter medical underwriting and longer deferred periods. Many self-employed people use personal accident as affordable short-term cover while saving toward income protection.

Does it cover me 24 hours a day?

Most individual policies do, including sport and leisure activities. Some occupations and pursuits (motor sport, contact sport at competition level, aviation) require disclosure and may attract restrictions. Group employer policies can be written either 24-hour or occupational-only.

Will it pay alongside other policies?

Yes — personal accident is a benefit policy, not an indemnity policy. The weekly benefit and capital sum pay regardless of any other cover you hold, including statutory sick pay, NHS treatment or other PA policies.

What is the deferred period and how does it affect price?

The deferred period is the number of weeks you must be off work before benefit starts. A 1-week deferred costs noticeably more than a 4-week; a 13-week deferred is the cheapest. Match it to how long your savings can cover lost income.

For a personal accident quote — individual or group scheme — call 020 8908 2426, message WhatsApp 07954 331362, or request a callback.