Accident Only Income Protection

What is Accident Only Income Protection?

If you can't work due to an accident and suffer a loss of earnings as a result, our Accident Only Income Protection is designed to pay you a benefit while you get on the road to recovery.

You can tailor your policy to your circumstances and requirements. Here is a summary of the benefits available:

• Main benefit - you can select between £500 and £6,000 a month of regular benefit, up to a maximum 70% of your earnings.
• Benefit period - a choice of a maximum of 1 or 2 years' benefit.
• Benefit guarantee - protect yourself against a fall in earnings between your policy starting and the time of your claim. You can protect up to £3,000 a month of your main benefit by submitting proof of earnings within 3 months of the policy starting.
• Hazardous pursuits cover - you have the option to pay extra to cover an enhanced list of hazardous pursuits. You can choose cover of between £500 and £2,000 a month, up to your selected amount of main benefit.
• Back to work benefit - this policy provides a proportionate benefit if you return to work on lower earnings than before. 
• Accidental death benefit - if you select this option and die as a result of an accident within 30 days of that accident, we will pay a lump sum equating to 1 or 2 years' main benefit, whichever you choose when you apply.