Personal accident insurance


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Frequently asked questions

  • What is personal accident cover?
  • What accidents can this type of cover protect me from?
  • Who should think about personal accident insurance?
  • Where can I find a policy?

What is personal accident cover?

Personal accident insurance, also known as personal injury insurance, is designed to pay out compensation if you suffer from a serious injury or death as the result of an accident. It can protect you and your family against loss of income, and help them with bills and other expenses.  

This type of cover is often included in life insurance and car insurance policies, and is typically available to anyone aged 18-69 in the UK. Personal accident insurance does not cover other reasons you may be unable to work – such as through sickness or for mental health reasons – as these will typically fall under health and medical insurance policies. 

What accidents can this type of cover protect me from?

Personal accident insurance can cover you against many injuries and accidents, including:

  • An accident or injury at work
  • Injury caused by violence
  • Injury or death caused by a road traffic accident
  • Total and permanent disability
  • Injury caused by a slip or spillages
  • Loss of (or loss of use of) body parts

Who should think about personal accident insurance?

One reason that you might choose personal injury cover is to protect yourself at work. If you’re self-employed, you could cover yourself against any loss of earnings in the event an accident or injury prevents you from doing your job. If you are your own boss, you might think about taking out self-employed sickness insurance.

Personal accident insurance is popular with people who work in environments where serious accidents are more likely to occur. For example, on construction sites. The severity of your injury could change the amount of lump sum payment you’re offered by your insurance policy. 

Where can I find a policy?

It’s worth noting that no two personal accident cover policies are the same. There’s a wide range of policies out there, so it’s important to decide on the one the best suits your needs. With that in mind, you might want to talk to someone – for free – at our partners Life Search. They’ll be able to offer you expert advice, including how to make a claim. Their friendly team can be contacted on 0800 197 8912 (Mon-Fri: 8am - 8pm Sat: 9am - 2:30pm).

Or you can get quotes from a wide range of personal accident insurance providers and policies by comparing life insurance with us. It could take just a few minutes to get precious peace of mind.