Accident Only Income Protection

Get your client paid a regular benefit if they can’t work due to an accident

0333 014 6296

What is Accident Only Income Protection?

If your client can't work due to an accident and suffers 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 for sickness as well, our unique Accident Only Income Protection covers your client just for accidents. This often makes it a more affordable option or can be a solution for people struggling to get cover elsewhere.

Key features of Accident Only Income Protection

  • Select a benefit amount between £500 and £6,000 a month, up to a maximum 70% of earnings.
  • A choice of 1, 2 or 5 years benefit period.
  • Protection against a fall in earnings between the policy starting and the time of a claim. Up to £3,000 a month of the main benefit can be protected if your client submits proof of earnings within 6 months of their policy starting. If your client chooses a 5-year claim period, the maximum benefit they can choose is £2,000.
  • Options to cover an enhanced list of hazardous pursuits. Your clients can choose cover of between £500 and £2,000 a month, up to their selected amount of main benefit. Find out more below. If your client chooses a 5-year claim period, the maximum hazardous pursuits cover would be £500 per month.
  • Provides a proportionate benefit if your client returns to work on lower earnings than before.
  • Option to add accidental death benefit cover where we’ll pay a lump sum equating to 1, 2 or 5 years' main benefit if they die as a result of an accident within 30 days of it happening.

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 are unable to carry out normal daily duties.
A flexible policy end date –choice for the policy to end at any birthday between ages 60 and 70.
Waiver of premiums, so your clients don't pay anything whilst they’re receiving benefit from us.
The option to increase cover each year, to account for inflation and earnings increases. Payments will increase to reflect the higher cover.
An option to change cover for certain benefits at a later date to match your clients changing needs.
A choice of waiting period (deferred period) before we start to pay the benefit from after their accident– 30, 60, 90, 180 or 365 days.

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 pursuits 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.

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 Mild, 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.

Free access to 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 clients 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

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

Accident Only Income Protection has no medical underwriting which could make it a good option for any clients who are struggling to get full Income Protection.

This policy pays out if the policyholder has an accident which 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 our online quote tool if you have a login 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.

We set a standard payment across all accepted occupation types. Your client’s cover will be renewed automatically each year unless you tell us they 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.

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

Get a quote for your client and apply online

Our easy online journey makes arranging cover quick and straightforward.

Choose this option if you:

  • Already have a login
  • Want an instant quote
  • Want to put through an online application

Apply to work with us

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

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
  • 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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