Accident Only Income Protection

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What is accident only income protection?

It's easy to overlook the possibility that you could one day have a disabling injury that forces you to give up your work, but it is still good to be prepared should this happen. An accident only income protection policy will cover you if you’re medically certified as unable to carry out the core duties of your job due to an accident, giving you and your family peace of mind that your bills and other expenses will still be taken care of.

What is and isn’t covered in an accident only income protection policy?

An accident only income protection policy covers those who have been medically certified as unable to carry out the key duties of their occupation as a result of an injury caused by an accident. The policy provides replacement earnings for those lost as a result of the accident.


You will be covered for:

  • Up to 70% of your earnings, or between £500 and £6000 per month, depending on your selection when taking out your policy.
  • Accidents caused by hazardous pursuits, if they are listed in your policy document.
  • Back-to-work benefits if your salary is reduced upon returning to work.
  • Accidental death protection if death occurs within 30 days of the accident.

You will not be covered if:

  • The primary reason you cannot work is because of a pre-existing condition made worse by an accident.
  • The injury you are claiming for is intentional or self-inflicted.
  • You suffer a disabling injury while partaking in an activity you were advised not to participate in for medical reasons.
  • The accident occurred when under the influence of drugs or alcohol.
  • Your accident occurred while working abroad for more than 14 days on a single trip or more than 30 days in a 12-month period.
  • Your claim occurred while you were in a country where the FCDO advises against travel or recommends essential travel only.
  • Your claim is caused by your involvement in criminal activity.

For full details of what’s covered, when it’s covered and what’s excluded, see the policy document.

Who is eligible?

To be eligible for an accident only income protection policy, you must:

  • Have been working at least 16 hours a week immediately prior to the accident.
  • Be self-employed or employed.
  • Be a UK resident aged 18-59.
  • Have three years+ of medical records from a UK doctor.
  • Be working and living in the UK.

You will also be covered for short periods of holiday abroad. However, always check your policy documents prior to travelling, as visits to some countries may invalidate your insurance. Get Quote

 
FAQ’s
How much of my salary will my policy cover?

Accident Only Income Protection aims to cover around 70% of your usual earnings. You can claim £500 and £6000 per month, depending on your selection when taking out your policy.

Am I covered abroad?

Yes, as long as your trip does not exceed 14 days per single trip or 30 collective days over a 12-month period. You also won’t be covered if your accident takes place in a country where the FCDO advises against travel or recommends essential travel only.

What if I don’t work for 16 hours per week?

We offer a contingency benefit that provides a maximum benefit of £500 a month for a maximum of 12 months for those working less than 16 hours per week.

What does accidental death mean?

This is when you die from an accident rather than anything health related. With your Accident Only Income Protection cover, you’ll have the option to cover accidental death in the instance death occurs within 30 days of an accident and as a direct result of that accident.
Please see the policy summary for full details.

What are my obligations?

When taking your policy, you are obligated to disclose all important or relevant information. You must also take reasonable care to provide accurate answers to questions when you take out or change your policy and when you make a claim.
You also have a duty of fair presentation of the risk to us before the policy starts or when you make any amendments to your policy.
Full details of what constitutes “fair presentation” and the consequences of breaching this duty are given in the Policy Document.

How much does Accident Only Income Protection cost?

The cost of Accident Only Income Protection will depend on how much you earn, how much of your salary you’d like to be covered for and whether you’d like to add Accidental Death or extended cover for Hazardous Pursuits.

Last reviewed: 1 June 2024

Next review: 1 July 2024