Get paid a regular benefit if you can’t work due to an accident or non-impact injury
If you 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 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.
You’ll 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.
This new benefit covers severe, non-contact injuries that prevents you from working, such as:
It’s included on all new and existing Accident Only Income Protection policies as standard and included in your cost of cover.
Katy, a National Friendly member, was unfortunately involved in a car accident. Her injuries and lengthy rehabilitation left her unable to work for two years. Luckily, having her Accident Only Income Protection in place meant we were able to support her.
"Every single member of staff at National Friendly were more than friendly and happy to help. They’ve made the process so simple.I can’t recommend this company and product enough. I was passionate about this product before I needed it, however having now experienced the benefits and process of claiming I can’t recommend it more. Thank you National Friendly, you have come to the rescue when I needed you to!"
There are 2 ways that you can pay for an Accident Only Income Protection policy. These are age-costed or level reviewable payments.
Your monthly payment will stay the same for the first 5 years.We will not raise it each year due to your age. We will review it every 5 years, based on general claims experience for the product, not your own personal claims experience.
This type of payment is likely to start lower than level reviewable payments, but is likely to increase each year by your age, and will be reviewed every 5 years, as above for level policies.
As well as the 2 payment options above, you are able to choose if you want your policy benefits to increase each year to help keep up with inflation and any increases in your earnings. If you choose this option, your payment will increase each year to reflect your 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 |
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 pursuits 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.
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 payout you receive will be determined by which category of fracture you’ve suffered.
You can claim for a range of fractures classified as Minor, Moderate or Major. They 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.
Our virtual GP service, Friendly GP+, is a free added benefit to your Accident Only Income Protection policy. It 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+.
Friendly GP access is included immediately for members and their families (living at the same address) with the following policies:
If the GP decides your condition requires further investigation or treatment, they can issue an open private referral letter to enable you to access the health care you need.
You can conveniently book an appointment with a practising GP at a day and time that suits you. You can book digitally via The Friendly GP web app, or via the 24/7 telephone help
Appointments are available 24/7. You can book either a telephone or video consultation and choose whether to speak with a male or female doctor.
Should the GP feel you would benefit from prescription medication, the medication can be delivered to you at any UK address or to a nominated pharmacy of your choice. You will need to cover the costs of prescriptions.
The GP can also issue fit notes if necessary. You 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)
Free Friendly GP+ access is included for members and their families (living at the same address) immediately with the following policies:
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.
Our Friendly GP service provides you with peace of mind that you can access a GP for you and your family at any time, day or night.
Our members have rated the service:
for the overall experience they received as excellent, very good or good.
agreed they would recommend Friendly GP to a friend or colleague.
rated the helpline as 5 stars or 4 stars.
Data taken from reviews between January and May 2024.
To apply for a policy you have to be:
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 or non-impact injury which results in an injury where you can no longer work and lose your earnings as a result.
Depending on what type of payment you choose, your monthly benefit may change over time. See our helpful explanation here.
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 cover will renew automatically each year unless you tell us you no longer want it. Find out more about fracture cover here.
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.
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Our easy online journey makes getting cover quick and straightforward.
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Our friendly team can talk you through your options to help you to decide what level of cover is best for you.
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