Accident Cover UK

Financial Protection if an Accident Strikes

Personal accident insurance pays out if an accidental injury affects your life or ability to work. Compare cover from UK providers with free, no-obligation advice.

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  • Aviva
  • Legal & General
  • Holloway Friendly
  • LV=
  • Royal London
  • Zurich
  • MetLife
  • Exeter

5.2m

UK A&E attendances for accidents yearly

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Premiums from just a few pounds a month

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What is personal accident cover?

Personal accident insurance provides financial protection if you suffer an accidental injury. Depending on the policy, it can pay a tax-free lump sum for serious injuries such as the loss of a limb or sight, permanent disability, or accidental death.

Some policies also include a weekly or monthly benefit if an accident prevents you from working. This makes accident cover a useful complement to income protection and life insurance, filling gaps that those policies may not cover.

  • Lump sum payout for serious accidental injuries
  • Accidental death benefit for your family
  • Weekly benefit if an accident stops you working
  • Covers everyday accidents, road traffic incidents, and sports injuries
  • Affordable premiums, often just a few pounds a month
  • Complements life insurance and income protection
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Accident protection illustration

Why Accident Cover Matters

Do You Need Accident Cover?

Accidents are unpredictable. If a serious injury stopped you from working or changed your life, would you be financially prepared?

You have an active lifestyle

If you play sport, cycle, or enjoy outdoor activities, your risk of accidental injury is higher. Accident cover provides a safety net.

You work in a physical job

Manual workers, tradespeople, and those in physically demanding roles face a greater risk of workplace accidents.

You want to fill the gaps

Accident cover complements income protection and life insurance by covering specific accidental injuries that other policies may not.

Cover Options

What Can Accident Cover Pay For?

Policies vary, but most personal accident insurance covers a range of outcomes from an accidental injury.

Serious Injury Lump Sum

A one-off payment if you suffer a defined serious injury such as loss of a limb, loss of sight, or permanent total disability.

Typical payout: A percentage of the total sum insured based on the severity.

Weekly or Monthly Benefit

Some policies pay a regular income if an accident temporarily prevents you from working, helping cover bills while you recover.

Duration: Usually up to 52 or 104 weeks depending on the policy.

Accidental Death Benefit

A lump sum paid to your family if you die as a result of an accident. This can supplement existing life insurance.

Payout: Usually the full sum insured.

Hospital Cash Benefit

Some policies pay a daily or weekly amount for each day you spend in hospital following an accident, helping with incidental costs.

Note: Not included in all policies - check your cover.

Key Things to Know About Accident Cover

Personal accident insurance is not a replacement for income protection or life insurance. It is a specialist product that covers a specific risk - accidental injury. Because the risk is narrower, premiums are usually very affordable.

Policies typically run for 12 months and renew annually. You can usually choose the level of lump sum cover and whether to include weekly benefit. Always check the policy exclusions carefully before you buy.

  • Accidents only - illness and disease are not covered
  • Exclusions apply - self-harm, alcohol, drugs, and criminal acts are excluded
  • Occupation matters - higher-risk jobs may pay more or face restrictions
  • Sports and hobbies - some activities may need to be declared or added for an extra premium

Tip: If you want protection against both illness and injury, consider combining accident cover with income protection for comprehensive cover.

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Accident cover key information

Simple Process

How to Get Accident Cover with GoInsureMe

We make getting protected simple. No jargon, no pressure - just expert advice tailored to you.

1

Request a Callback

Fill in the form with your details.

2

Expert Consultation

Our advisor understands your needs.

3

Compare Options

We find the best policies for you.

4

Get Protected

Choose your policy and relax.

FAQ

Accident Cover FAQs

Common questions about personal accident insurance in the UK

What does personal accident cover include?
Personal accident cover typically pays out a lump sum if you suffer a serious accidental injury, lose a limb, lose your sight, or die as a result of an accident. Some policies also include weekly benefit payments if an accident stops you from working. The exact cover depends on the policy, so it is important to check what is included.
What counts as an accident under this type of policy?
An accident is generally defined as a sudden, unexpected, and unintended event that causes physical injury. This includes things like falls, road traffic accidents, sporting injuries, and workplace accidents. Self-inflicted injuries and injuries caused while under the influence of drugs or alcohol are usually excluded.
Does accident cover pay out for illness?
No. Personal accident insurance only covers injuries caused by accidents, not illness or disease. If you want protection against illness as well, you would need income protection or critical illness cover. Accident cover is designed to complement these other types of protection, not replace them.
How is accident cover different from income protection?
Income protection pays a regular monthly income if you cannot work due to any illness or injury. Personal accident cover typically pays a one-off lump sum for specific accidental injuries. Accident cover is usually much cheaper because it only covers accidents, not illness. Many people have both for comprehensive protection.
How much does personal accident cover cost?
Personal accident cover is generally very affordable compared to other types of protection insurance. Premiums depend on the level of cover, your occupation, age, and any dangerous hobbies. Because the risk of a qualifying claim is relatively low, premiums can be just a few pounds per month.
What are the common exclusions?
Common exclusions include injuries caused by self-harm, being under the influence of alcohol or drugs, participating in criminal activity, war or terrorism, and pre-existing conditions. Some policies also exclude injuries from certain high-risk sports or activities unless you pay an additional premium.
Can I get accident cover if I have a dangerous job?
Yes, but your occupation will affect the cost and terms of your cover. People in higher-risk jobs such as construction, mining, or the emergency services may pay higher premiums. Some insurers specialise in covering higher-risk occupations, and our advisors can help you find the right policy.
Do I need accident cover if I already have life insurance?
Life insurance and accident cover protect against different things. Life insurance pays out if you die, while accident cover pays out for non-fatal injuries that could affect your ability to work or live independently. If a serious accident left you unable to work, life insurance would not help, but accident cover could provide a vital financial lifeline.
Can I get accident cover for my whole family?
Yes. Some insurers offer family accident cover policies that protect your partner and children as well as yourself. Family policies can be more cost-effective than taking out individual policies for each family member. Check what age limits apply for children.
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