Accident Only Income Protection

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

0333 014 6244

What is Accident Only Income Protection?

If your clients can't work due to an accident or 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 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.

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NEW Non-Impact Injury cover

Your clients will now 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 new 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 included in your cost of cover.

Key features of Accident Only Income Protection

  • Your client 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 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 maximum 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

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 5 years.  We will not raise it each year due to their age. We will review it every 5 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 by client’s age, and will be reviewed every 5 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 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 they’re working for less than 16 hours a week and, due to an accident or 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– 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

Hazardous pursuits

Accident Only Income Protection includes cover for some leisure activities as standard. But we also offer the option to pay extra to cover an enhanced list of what we call ‘Hazardous Pursuits’. Hobbies and pastimes categorised as hazardous pursuit include activities such as Bouldering and Motor Sports. Find out more about hazardous pursuits here.

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

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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 range from £1,000 to £3,000.

More information on fracture cover can be found here.

Fracture Cover Brochure

Free access to Friendly GP and Friendly GP+

Our virtual GP service, Friendly  GP, is a free added benefit to your clients’ policy which 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+. 

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

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

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, 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.

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.

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 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.

Next steps

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Choose this option if you:

  • Already have a login and want an instant quote
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  • Give our Broker Support team a call if you have any questions
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0333 014 6244

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
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