Essential protection for your income if you can’t work due to an accident or injury
If you can't work due to an accident or injury and suffer a loss of earnings as a result, our Accident Only Income Protection will pay you an income while you get on the road to recovery. Providing peace of mind and protection for your lifestyle.
Opening a policy is easy, there are no medical questions to answer and it only takes a matter of minutes.
We are an award-winning Friendly Society, (also known as a mutual), with over 155 years’ experience in providing protection insurance
No shareholders - we are owned by our members, and we always work with their best interests in mind
Fully regulated by the Financial Conduct Authority and the Prudential Regulation Authority, ensuring the highest standards
Your policy is covered by the Financial Services Compensation Scheme meaning more protection for you
Felix, a self-employed plasterer, falls from a ladder and breaks his plastering arm. He’s signed off work for at least ten weeks.
He contacts our claims team, who help gather the details of his accident. Luckily, he’d added fracture cover to his policy.
After 30 days, he is entitled to benefit of £2,000 a month which he can use as he needs to cover bills or other items.
When he returns to work, he finds that in his first month back, he can only work half the hours he did before his accident.
We help his recovery by paying for private rehabilitation through physio and exercises.
He calls our Friendly GP line, a doctor writes a prescription for painkillers which he can then pick up from his local pharmacy.
The policy pays Felix a total of £6,000 and has assisted his phased return to work
*This example assumes Felix earns £35,000 a year, chose a £2,000 monthly benefit, added fracture cover, and had a 30-day waiting period. He had no other income while off work. For more serious claims, payments could continue for up to 1, 2, or 5 years.
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!
You can choose to cover between £500 and up to 70% of your monthly salary (up to a £6,000 maximum).
You can cover your monthly salary for 1, 2 or 5 years.
If you claim on the policy, it’s up to you how you spend your income.
You can either pay the same amount each month (level payments) or make payments that start lower and increase as you get older (age-costed).
You can also choose if you want your cover 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.
You’ll be covered if your accident or injury is caused by most sports including rugby, football and American football even if you break a bone. But we also offer you the option to pay extra to cover even more. View our list to see if your hobby is covered.
Make sure your income is fully protected from day one. By providing proof of your earnings within 6 months of your policy start date, you can lock in up to £3,000 a month of your cover — even if your earnings drop later on.
You can add cover for fractures which will pay a lump sum to you if you break a bone.
You’ll get 24/7 access to a virtual GP for the whole family from day 1.
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.
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.
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.
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)
The online eConsultation service enables you to have an online video consultation in the comfort of your own home or place of work. The service is available 8am-10pm, 7 days a week, excluding UK bank holidays.
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:
100% for the overall experience they received as excellent, very good or good
100% agreed they would recommend Friendly GP to a friend or colleague
100% 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.
The policy will pay out if you have an accident or non-impact injury (grade 3 tear of muscles, tendons or ligaments that often require surgery or joint dislocations), that means you can no longer work and lose your earnings as a result.
This depends on the type of cover you choose, level or age-costed (see a helpful explanation here), and if you want to increase your cover each year in line with inflation and any salary increases.
We will review your payments every 5 years, based on our general claims experience for the product, not your own personal claims experience.
We cover a wide list of jobs but there are some high risk jobs we can’t cover. You can get a quote today to find out if your job is covered.
Our Friendly GP+ service provides you and your family with peace of mind that you can access a GP at any time, day or night. You have access to this service as soon as your policy is set up.
We’ll give the full details on how you can access it when you take out a policy.
Just 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.
Don’t delay – find out how Accident Only Income Protection can protect you and your family today!
If you need help or have any questions, please contact our friendly UK based team today on 0330 221 1013 or request a call back.
We’re here from 8am to 6pm Monday to Friday excluding bank holidays.
Our friendly team can talk you through your options to help you to decide what level of cover is best for you. We’re here from 8am to 6pm Monday to Friday excluding bank holidays.
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We can explain all the important details and options available.
(Monday to Friday / 8am - 6pm)
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0333 014 6244