Accident Only Income Protection

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

0300 303 5758

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 a benefit while you get on the road to recovery.

Whilst full Income Protection will cover 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.

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 you submit proof of earnings within 6 months of their policy starting. If you choose a 5-year claim period, the maximum benefit you can choose is £2,000.
  • Options 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. Find out more below. If you choose a 5-year claim period, the maximum hazardous pursuits cover would be £500 per month.
  • Provides a proportionate benefit if you return 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 you 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 you’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 you 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 changing needs.
A choice of waiting period (deferred period) before we start to pay the benefit from after your 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.

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 their injury. 

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

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

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.

  • 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 anyone who is 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 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 cover will be renewed automatically each year unless you tell us they no longer want it. Find out more about fracture cover here.

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 their age