Accident Cover

Accidental death insurance provides a tax-free lump sum (under current legislation) should you die as the direct result of an accident.


In the UK, approximately 6,000 people die in accidents in the home* and 18.5 million turn up at accident and emergency departments seeking treatment every year.

- source (RoSPA Research)

Serious injuries can mean a costly and lengthy recovery and additional medical expenses. And, if you were to pass away, your family may need funds from personal accident insurance to help with paying off loans, or to meet day to day living expenses.

You could be covered immediately but remember, if you cancel, you won't get anything back.

Personal Accident Insurance is for UK residents aged 18 to 69 who are looking for a measure of financial protection in the event they suffer an accident that results in death or an accidental serious injury. Personal Accident Insurance pays a lump sum benefit to your loved ones if you die as the result of an accident, or the benefit is paid to you if you suffer an accidental serious injury.

Is personal accident insurance necessary?

You may decide personal accident insurance is necessary for you because you work in a particularly risky environment, and/or because you would struggle to make ends meet if you were involved in an accident and were left unable to work. However, personal accident insurance can be useful for anyone.

Do I need personal accident insurance?

We'll guide you through your options - and help you make the right decision.

Personal Accident insurance is a policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.

It is different from life insurance and medical & health insurance.

You can either take a PA policy for yourself or a group policy for your family, protecting you and them anywhere in the world, anytime of the day. PA insurance provides 24-hour worldwide insurance protection.