Accident Only Income Protection

Get paid a regular benefit if you can’t work due to an accident

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 will pay you some money while you get on the road to recovery.

Whilst full Income Protection will cover you for sickness as well, our unique Accident Only Income Protection covers you just for accidents. This often makes it a more affordable option or can be a solution for people struggling to get cover elsewhere.

What our members say

Katy, a National Friendly member, was unfortunately involved in a car accident. Her injuries and lengthy rehabilitation left her unable to work for two years. Luckily, having her Accident Only Income Protection in place meant we were able to support her.

  • Policy taken out: August 2021
  • Member age: 38
  • Occupation: Insurance Broker
  • Premium: £14.11 per month
  • Claim period: July 2022 to July 2024
  • Reason for claim: 7 complex arm fractures
  • Total claim payout: £24,780

"Every single member of staff at National Friendly were more than friendly and happy to help. They’ve made the process so simple.I can’t recommend this company and product enough. I was passionate about this product before I needed it, however having now experienced the benefits and process of claiming I can’t recommend it more. Thank you National Friendly, you have come to the rescue when I needed you to!"

Katy, National Friendly Member

Key features of Accident Only Income Protection

  • You can choose a benefit amount of between £500 and £6,000, up to a maximum of 70% of your earnings. If you choose a 5-year claim period the maximum benefit you can choose is £2,000.
  • A choice of 1-, 2- or 5-years benefit period.
  • 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 6 months of your policy starting.
  • 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. If you choose a 5-year claim period, the maximum hazardous pursuits cover would be £500 per month. Find out more below.
  • This policy provides a proportionate benefit if you return to work on lower earnings than before.
  • If you select this option and die as a result of an accident within 30 days of that accident, we’ll pay a lump sum equating to 1-, 2- or 5-years’ main benefit, whichever you choose when you apply.
  • Option to have level or age-costed reviewable payments.

Your payment options

There are 2 ways that you can pay for an Accident Only Income Protection policy.  These are age-costed or level reviewable payments.

  • Level reviewable payments

    Your monthly payment will stay the same for the first 5 years.We will not raise it each year due to your age. We will review it every 5 years, based on general claims experience for the product, not your own personal claims experience.

  • Age-costed reviewable payments

    This type of payment is likely to start lower than level reviewable payments, but is likely to increase each year by your age, and will be reviewed every 5 years, as above for level policies.

As well as the 2 payment options above, you are able to choose if you want your policy benefits to increase each year to help keep up with inflation and any increases in your earnings.  If you choose this option, your payment will increase each year to reflect your higher cover.

To help make things clearer, the table below shows when each payment type can be reviewed and/or changed.

  Each year
by age
At a five
year review
Each year if I
have chosen
Escalating
benefits
Any other
reason
Age-costed
reviewable
Yes Yes Yes Only if
taxation
changes
Level
reviewable
No Yes Yes

Our Accident Only Income Protection cover includes:

A contingency benefit that provides a maximum benefit of £500 a month for a maximum of 12 months if you are working for less than 16 hours a week and you're unable to carry out your normal role due to an accident.
You can choose a flexible policy end date, at any birthday between ages 50 and 70.
An option for increased cover each year, to take account of inflation and increases in your earnings. Your payments will increase to reflect the higher cover.
Waiver of payments, so you don't pay anything whilst you’re receiving benefit from us.
A choice of when you want the benefit to start from after your injury – 30, 60, 90, 180 or 365 days.
An option to change your cover for certain benefits at a later date if your needs change.

Hazardous pursuits

Accident Only Income Protection includes cover for some leisure activities as standard. But we also offer you the option to pay extra to cover an enhanced list of what we call ‘hazardous pursuits’. Hobbies and pastimes categorised as hazardous pursuits include activities such as Bouldering and Motor Sports. More information on our hazardous pursuits can be found here.

The full list of hazardous pursuits covered can be found here. Any sport or pastime not on the list will not be covered.

Help cover the costs you might face as a result of a bone fracture

A cash payout can’t heal you – you'll need time for that. But it can help you meet the costs associated with the impact of your injury.

The payout you receive will be determined by which category of fracture you’ve suffered.

You can claim for a range of fractures classified as Minor, Moderate or Major. They cover areas from your skull down to your feet and range from £1,000 to £3,000.

More information on fracture cover can be found here.

Free access to Friendly GP

Our virtual GP service, Friendly GP, is a free added benefit to your policy which can be accessed over the phone or online 24 hours a day, 7 days a week.

This means you always have easy access to a doctor when you need their help.

Find out more about Friendly GP and Friendly GP+. 

  • 24/7 unlimited GP telephone consultations
  • Video consultations
  • Private prescriptions
  • Open referrals

How our members rate Friendly GP

Our Friendly GP service provides you with peace of mind that you can access a GP for you and your family at any time, day or night.

Our members have rated the service:

Overall satisfaction

100%

for the overall experience they received as excellent, very good or good.

Recommended

100%

agreed they would recommend Friendly GP to a friend or colleague.

GP helpline star rating

100%

rated the helpline as 5 stars or 4 stars.

Data taken from reviews between January and May 2024.

Your questions answered

To apply for a policy you have to be:

  • aged between 18 to 59 when your policy starts
  • working and living in the UK (this doesn’t include the Channel Islands or the Isle of Man)
  • working at least 16 hours a week
  • able to pay for it from a UK bank account
  • registered with a UK doctor with access to at least the last two years of your medical records

No, you won’t have to answer any medical questions to apply for a policy.

That’s because this policy isn’t underwritten, meaning we don’t take your medical history into account to be able to offer you cover.

This policy will only pay out if you have an accident which results in an injury where you can no longer work and lose your earnings as a result.

Depending on what type of payment you choose, your monthly benefit may change over time. See our helpful explanation here.

We cover a wide list of occupations but there are some we aren’t able to offer cover for. To find out if we’ll be able to cover your job, you can use our online quote tool or give us a call on 0333 014 6244 and we can check for you.

Your policy comes with free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.

We’ll give you the full details when you take out a policy or you can go to our Existing Members page to find out more.

If you are looking to make a claim, please head over to our Claims page. There you will find more information on how to contact us and how we can help guide you through the process.

We set a standard payment across all accepted occupation types. Your cover will renew automatically each year unless you tell us you no longer want it. Find out more about fracture cover here. 

Any other questions?

If there’s anything else you want to know, please give us a call on 0333 014 6244 and we’ll be happy to help.

We’re here from 8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.

How to apply

Get a quote and apply online

Our easy online journey makes getting cover quick and straightforward.

Choose this option if you:

  • Have a good idea of what cover you’d like
  • Want an instant quote

Request a callback

Our friendly team can talk you through your options to help you to decide what level of cover is best for you.

Choose this option if you:

  • Need help deciding if this is the best policy for you
  • Have any questions you want to ask

0333 014 6244

Monday to Friday / 8am - 6pm

Important information

  • You won’t be covered for unemployment or for sickness
  • To be covered, accidents have to result in an impact injury
  • We won’t make any payments which takes you over 70% of your earnings at the time of claim
  • Your payments/premiums will go up each year based on your age, or will stay level for 5 years, depending on what type you’ve chosen.
Existing Members
Claims
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