Accident & Sickness Cover

When life throws a spanner in the works

A broken bone from a football game. A bad fall that puts you in hospital. Illness that keeps you off work for weeks. Life’s unpredictable – one minute you’re fine, the next you’re facing time off work and no income.

Accident and sickness cover steps in when you need it most, providing financial support whilst you recover.

What is covered?

Life is a journey. The choices you make can lead you down a path that’s unique to you. We’ll help you navigate the twists and turns so you can live life to the fall, whether you’re trying new things, starting a new career, going on family adventures, or being active.

Hospitalisation
Receive up to £250 per 24 hour period you’re admitted to a UK hospital due to accident or sickness.

Broken Bone Cover
Receive up to £4000 per broken bone even if you break more than one.

Accidental death cover
Should the worst happen, you can be covered up to £200,000 to leave behind for loved ones.

Total permanent disablement
If you’re unable to look after yourself again receive up to £250,000.

Accidental permanent injuries
Covers a wide range of life-changing injuries and you can receive up to £250,000.

Non accidental death
If you pass away due to natural causes your family can receive up to £10,000 to help with funeral expenses or your premiums returned if within the first year of the policy being active.

What’s included?

Policies vary but will typically cover you for things like:

Hospital stays

Receive up to £250 for every 24 hours you’re admitted to a UK hospital due to accident or illness.

Broken bones

Up to £4,000 per broken bone – even if you break more than one.

Serious injuries

Life-changing injuries like permanent disability are covered up to £250,000.

Peace of mind for your family

If the worst happens, your family receives up to £200,000 for accidental death, or £10,000 for natural causes to help with funeral expenses.

Get an Accident & Sickness Cover quote

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Why it matters

Nearly 149 million working days were lost to sickness and injury in 2024 – that’s 4.4 days per worker. And statutory sick pay? Just £118.75 a week for up to 28 weeks.

If you’re self-employed, a contractor, or just want to supplement your employer’s sick pay, this cover means you’re never one accident away from financial hardship.

Extra support

Most policies also give you:

24/7 access to a GP via phone or video
Private prescription service
Second medical opinions
Cover for all children under 23 in your household
Wellbeing support for family issues, debt, bereavement

Policies to fit your budget

The best part? Accident and sickness policies are typically very affordable and don’t require health checks to get started. Let’s find out what would work for you.

What our customers say

When I needed to claim, they were supportive and efficient. Glad I chose them to protect my family's future.

Quick, professional service. They explained everything clearly and I got coverage within days. Highly recommended.

The application process was so simple and the team were incredibly helpful. Peace of mind for my family at an affordable price.

Did you know?

148.9 Million

UK working days were lost to sickness/injury in 2024,
that’s 4.4 days per worker

£118.75/week

The current Statutory Sick Pay
(for up to 28 weeks)

2.83 Million

working-age people were economically inactive due to long-term sickness in February to April 2024