Accident Only Income Protection

Your clients can be paid a regular benefit if they can’t work due to an accident or listed non-impact injury

0333 014 6244

What is Accident Only Income Protection?

If your clients can't work due to an accident or listed non-impact injury and suffer a loss of earnings as a result, our Accident Only Income Protection will pay them a benefit while they get on the road to recovery.

Whilst full Income Protection will cover your client for sickness as well, our unique Accident Only Income Protection covers them just for accidents. This often makes it a more affordable option and as it requires no upfront medical underwriting, can be a solution for people struggling to get cover elsewhere.

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Friendly Dentist

We’ve made our Accident Only Income Protection product even better with Friendly Dentist!

Now included as standard for existing members and new policies. 

Key features include:

  • Unlimited around the clock access to a dental chat helpline: connect with qualified dentists for trusted advice and guidance. Simply upload photos and videos, seek a second opinion and prescriptions (at an additional cost) within 24 hours.
  • Expert-led videos on dental health: Tips and best practices to keep their smile healthy, from brushing techniques to lifestyle tips for oral care.
  • Smart educational articles: Easy-to-read articles written by dental experts, designed to give your client practical advice on maintaining their oral health.
Find out more about Friendly Dentist today!

Award Winning Cover

Cover Excellence Awards 2025

Outstanding Individual Income Protection (Winner)

A smarter way to cover Hazardous Pursuits

We’ve refined our Hazardous Pursuits cover for Accident Only Income Protection and Income Protection policies — making it fairer, simpler, and easier to understand.

  • Clear eligibility rules: Amateur participants are now covered as standard.

  • More inclusive team sports cover: Rugby, American football, and more, are now covered under our standard terms - even for fracture claims.

  • Simplified martial arts and combat sports cover: Training is covered as standard. Amateur bouts are covered but require enhanced cover.

  • Straightforward guidance: It’s now crystal clear what’s covered, what's not, and when enhanced cover is needed.

Why it matters

Our updated approach means faster, simpler underwriting, with fewer questions, no delays for assessments and a smoother experience for you and your clients.

Explore our full updated list here or contact us if you have any questions.

Non-Impact Injury cover

Your clients receive protection for a broader range of accidents and injuries. Our Non-Impact injury benefit is designed to cover certain debilitating injuries even if they occur without any external force.

What is the Non-Impact Injury Benefit?

This benefit covers severe, non-contact injuries that prevent your client from working, such as:

  • Grade 3 tears (complete tears) of muscles, tendons, or ligaments that often require surgery.

  • Joint dislocations.

Who does it cover?

It’s included on all new and existing Accident Only Income Protection policies as standard and free of charge.

Key features of Accident Only Income Protection

  • Your client can choose a monthly 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 your client against a fall in earnings between your policy starting and the time of your claim. You can protect them up to £3,000 a month of your main benefit by submitting proof of earnings within 6 months of your policy starting.
  • Your client has the option to pay extra to cover an enhanced list of hazardous pursuits. They choose cover of between £500 and £2,000 a month, up to their selected amount of main benefit. If they choose a 5-year claim period, the hazardous pursuits cover would be £500 per month. Find out more below.
  • This policy provides a proportionate benefit if your client returns to work on lower earnings than before.
  • If they 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 they choose when you apply.
  • Option to have level or age-costed reviewable payments
  • Unlimited access to our Friendly GP+ service available 24/7, including phone and video consultations, private prescriptions and open referrals, plus a range of counselling and advice benefits.
  • Friendly Dentist: in-app access to a dentist for the policyholder.

Premium Options

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

  • Level reviewable payments

    Your client’s monthly payment will stay the same for the first 3 years.  We will not raise it each year due to their age. We will review it every 3 years, based on general claims experience for the product, not their 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 in line with the client’s age, and will be reviewed every 3 years, as above for level policies.

As well as the 2 payment options above, your client is able to choose if they want their policy benefits to increase each year to help keep up with inflation and any increases in your earnings.  If they choose this option, their payment will increase each year to reflect their 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 3
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 they’re working for less than 16 hours a week and, due to an accident or listed non-impact injury, are unable to carry out normal daily duties.
A flexible policy end date –choice for the policy to end at any birthday between ages 50 and 70.
Waiver of premiums, so your clients don't pay anything whilst they’re receiving benefit from us.
An option for increased cover each year, to take account of inflation and increases in earnings. Payments will increase to reflect the higher cover.
A choice of waiting period before we start to pay the benefit from after their accident– 14, 30, 60, 90, 180 or 365 days.
An option to change cover for certain benefits at a later date to match your clients changing needs.
Policy Summary
Policy Conditions

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

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

The payout they’ll receive will be determined by which category fracture they've suffered.

Your client can claim for a range of fractures classified as Minor, Moderate or Major. The cover areas from their skull down to their feet and are at £1,000, £2,000 or £3,000.

More information on fracture cover can be found here.

Fracture Cover Brochure

Free access to Friendly GP+

Our virtual GP service, Friendly GP+, is a free added benefit to your client's Accident Only Income Protection policy. It can be accessed over the phone or online 24 hours a day, 7 days a week.

This means your client's always have easy access to a doctor when they need their help.

Find out more about Friendly GP and Friendly GP+.

Friendly GP+ access is included immediately for members and their families (living at the same address). Members will have access to:

If the GP decides your clients' condition requires further investigation or treatment, they can issue an open private referral letter to enable your client to access the health care you need.

Your client can conveniently book an appointment with a practising GP at a day and time that suits your client. Your client can book digitally via The Friendly GP web app, or via the 24/7 telephone help.

Appointments are available 24/7. Your client can book either a telephone or video consultation and choose whether to speak with a male or female doctor.

Should the GP feel your client would benefit from prescription medication, the medication can be delivered to your client at any UK address or to a nominated pharmacy of your clients choice. Your client will need to cover the costs of prescriptions.

The GP can also issue fit notes if necessary. Your client will need to cover the costs of the medication and delivery fees.

Aches and Pains helpline. Physiotherapists help restore movement and function in patients that have been affected by injury, illness or disability. They will do this by delivering personalised exercise plans and supporting you to be able to safely and independently complete a home exercise programme with verbal prompts and guidance.

Available from 8am – 8pm Monday Friday (excluding bank holidays)

Provides information and guidance on legal matters such as consumer rights, property, landlord/tenant, family and motoring law.

Support with advice for managers who are assisting their teams through any difficulties.

Guidance with money matters, including managing creditors, budgeting and debt management plans.

Provides information on a wide range of mental health and wellbeing related topics such as sleep, diet or exercise so you can start to improve your day to day life.

The Wellbeing Hub is a confidential and secure online resource available 24 hours a day to help you look after your mental health.  With access to monthly newsletters, insightful articles and short videos, there are lots of ideas on ways to improve your day to day wellbeing.

How our members rate Friendly GP

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

Our members have rated the service:

Overall satisfaction

94%

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

Recommended

89%

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

GP helpline star rating

88%

rated the helpline as 5 stars or 4 stars.

Data taken from reviews between January and March 2026.

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, excluding Northern Ireland. 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, we won’t ask any medical questions at the policy application.

However, we may check the details of the accident and the customer’s medical history when a claim is made.

This could make the policy a good option for any clients who are struggling to get full Income Protection.

This policy pays out if the policyholder has an accident or non-impact injury as defined, and this results in an injury where they can no longer work and lose earnings as a result.

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 client’s job, you can use your login to access our online quote tool or give us a call on 0333 014 6244 and we can check for you.

All policies come 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.

The policyholder will also have access to Friendly Dentist, our dental helpline service that provides a dental chat helpline.

We’ll give the full details on how they can access it when they take out a policy or they can go to our Existing Members page to find out more.

Any other questions?

If there’s anything else you want to know, please give us a call on 0333 014 6296 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.

Next steps

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Choose this option if you:

  • Already have a login and want an instant quote
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Get access to our quote calculators, online application forms and useful collateral.

  • Fill in an application today
  • Give our Broker Support team a call if you have any questions
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0333 014 6296

Monday to Friday / 8am – 6pm

Important Information

  • Your client won’t be covered for unemployment or for sickness
  • To be covered, accidents have to result in an impact injury and non-impact injuries need to be severe
  • We won’t make any payments which takes your client over 70% of their earnings at the time of claim
  • Your clients' payments/premiums will go up each year based on their age if they choose age-costed pricing.
  • *Our dental team will make reasonable efforts to help you find and arrange an appointment with a local clinic for in-person care. However, we cannot guarantee
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