Why Fracture Cover?

Sustaining a bone fracture could have a devastating impact on not only your health, but also your work and your earnings. 

Fracture Cover can help you meet the costs associated with the impact of your injury. 

What we mean by fracture

A fracture is a broken bone, the same as a crack or a break. A bone may be completely fractured or partially fractured in any number of ways (crosswise, lengthwise, in multiple pieces).

The fracture must be diagnosed by a Consultant.

Categories of payment

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

 There are three categories of payment depending on the severity of the fracture:

  • Mild - £1,000 payment for each fracture
  • Moderate - £2,000 for each fracture
  • Major - £3,000 for each fracture

How it works

You can claim one or more payments up to £3,000 in total each policy year, that’s from one policy anniversary to the next.

Fracture Cover is attached as an add-on, and you'll pay for this cover as part of the overall premium we charge for the main policy.

You might choose this policy if you:

  • Want an immediate cash sum when the fracture occurs
  • Want this amount to tie in with any relevant benefits on another policy
  • Are happy to pay the additional amount to secure cover

Who can take out fracture cover?

To apply for a policy, you must:

  • Be aged between 18 to 59 when your policy starts
  • Be working and living in the UK (this does not include the Channel Islands or the Isle of Man)
  • Hold a current National Friendly product that offers Fracture Cover

You can find full details of our fracture cover here:

Next steps

What you need to know:

  • You can make more than one claim in a policy year, but cannot claim more than £3,000 in total in any policy year
  • The benefits from this policy can’t be guaranteed to keep up with the cost of living
  • You’ll need to make monthly payments until the policy ends

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.