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 some money while you 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.  

Key features of Accident Only Income Protection

  • You 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 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 6 months of your policy starting.
  • 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. If you 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 you return to work on lower earnings than before.
  • If you 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 you choose when you apply.

Your 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 are working for less than 16 hours a week and you're unable to carry out your normal role due to an accident.
You can choose a flexible policy end date, at any birthday between ages 50 and 70.
An option for increased cover each year, to take account of inflation and increases in your earnings. Your payments will increase to reflect the higher cover.
Waiver of payments, so you don't pay anything whilst you’re receiving benefit from us.
A choice of when you want the benefit to start from after your injury – 30, 60, 90, 180 or 365 days.
An option to change your cover for certain benefits at a later date if your needs change.

Hazardous pursuits

Accident Only Income Protection includes cover for some leisure activities as standard. But we also offer you 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. More information on our hazardous pursuits can be found 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 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 your injury. 

The pay-out you 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.

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 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.

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, you won’t have to answer any medical questions to apply for a policy.

That’s because this policy isn’t underwritten, meaning we don’t take your medical history into account to be able to offer you cover.

This policy will only pay out if you have an accident which results in an injury where you can no longer work and lose your 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 or give us a call on 0333 014 6244 and we can check for you.

Your policy comes 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 you the full details when you take out a policy or you can go to our Existing Members page to find out more.

If you are looking to make a claim, please head over to our Claims page. There you will find more information on how to contact us and how we can help guide you through the process.

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 or you’d like to talk through your options, 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.

How to apply

Get a quote and apply online

Our easy online journey makes getting cover quick and straightforward.

Choose this option if you:

  • Have a good idea of what cover you’d like
  • Want an instant quote

Request a callback

Our friendly team can talk you through your options to help you to decide what level of cover is best for you.

Choose this option if you:

  • Need help deciding if this is the best policy for you
  • Have any questions you want to ask

0333 014 6244

Monday to Friday / 8am - 6pm

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 your age
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