Accident Only Income Protection

Accidents happen. Our policy aims to pay you a regular benefit if you can't work because 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 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.

Get a quote for cover today

By clicking 'Request a call back' you agree to our privacy notice and allow National Friendly to contact you about your quote.

National Friendly will never sell your personal data to any third parties. However, we would like to keep you up to date with products and services that we offer.

Please let us know how you’d like to be contacted:

You can update your marketing preferences at any time by phone, email, in writing or online at

Cover with Accident Only Income Protection also 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 due to an accident you are unable to carry out normal daily duties or suffer brain injury.
  • An option for increased cover each year, to take account of inflation and increases in your earnings. Your premiums will increase to reflect the higher cover.
  • A choice of when you want the benefit to start from after your injury – 30, 60, 90 or 180 days.
  • A flexible policy end date – at age 60, 65, 70 or the state retirement age which applies when you join.
  • Waiver of premium, so you don't pay any premiums whilst you are receiving benefit from us. 
  • An option to change your cover for certain benefits at a later date to match your changing needs.


Request a call back

For more information on Accident Only Income Protection

To help you decide if this policy is right for you, you should read both the Policy Summary and Policy Conditions carefully. You can download the PDFs below. If you have any questions or if you would like to receive a quote or apply for the policy, please call our team by calling the number below or by filling out the callback form above.

Please note: To read or print a PDF file, you must have the Adobe Acrobat® Reader installed: Download Adobe Acrobat

Call one of our team

We can explain all the important details and the options available. Call us on: 0333 014 6244.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes.

Give us a call

We use cookies to personalise and enhance your experience on our site and improve the delivery of ads to you. Visit our Cookie Policy to learn more. By clicking 'accept', you agree to our use of cookies.