Accident Protection Insurance | Extra Financial Security

Why this cover still matters in 2025

Accident protection remains highly relevant in 2025, offering crucial financial support when unexpected injuries disrupt your income or daily life. Unlike many standard policies, accident cover provides 24/7 worldwide protection, meaning benefits are paid whether the accident happens at work, at home, or abroad.

With Statutory Sick Pay still just £118.75 per week, and most Accident, Sickness & Unemployment (ASU) policies only lasting up to 12 months, accident cover adds an extra layer of security, delivering a tax-free lump sum to help bridge the gap (Compare The Market).

As NHS waiting lists grow and the cost of private physiotherapy rises, a cash payout gives you the freedom to fund fast treatment, adapt your home if needed, or simply cover household bills while you recover. It’s a straightforward, cost-effective way to stay financially resilient in the face of life’s bumps and setbacks.

Accident Protection

Our Solutions

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

Quick set-up—most policies active in 24–48 hours with minimal paperwork.
Search an extensive panel of providers to get you the right mix of benefits at the right price.
Flexible options—from standalone accident cover to sickness and fracture add-ons.
Annual reviews to keep your cover aligned with job, lifestyle, and inflation changes.

...all managed through an easy 5 step process.

Step 1: Discovery call

We start by understanding your job role, hobbies, travel habits, and any existing cover to assess your exposure to risk.
Step 2: Benefit modelling

We compare quotes from multiple insurers and break down the cost of core cover versus optional add-ons like fracture or sickness benefits.
Step 3: Application

We complete the electronic health questionnaire with you—no GP report is usually required for standard benefit levels.
Step 4: Policy issue

Once approved, we issue the policy schedule—typically within 24 to 48 hours.
Step 5: Annual review

We check for any claims activity and review your cover against job changes, lifestyle updates, or inflation.

Document Checklist

Passport or photocard driving licence
Proof of address (≤ 3 months)
Employer role description or self-employment SIC code
Details of hazardous hobbies (if any)

Bring these to your first meeting to avoid delays.

Expert Tips

Align benefits to real costs

A £5k fracture lump sum can wipe out lost self-employed income and private physio fees.
Keep receipts

Some insurers offer rehabilitation reimbursements once invoices are submitted.
Bundle with life or CI Policy

Multi-benefit packages often shave 10–15 % off combined premiums.
Check age-banded pricing

Guaranteed premiums hold cost level; age-banded starts cheaper but rises annually.

Here to HELP

What lenders look for

Age & Occupation

Your age and how risky your job role is.
Lifestyle & Hobbies

Sports or high-risk activities that might need exclusions.
Health & Medical History

Basic health questionnaire; GP reports rarely required.
Cover Type & Level

Whether you want fracture, disability, or accidental death benefits.
Existing Protection

Any other policies in place to avoid overlap.

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

Accident Protection