Personal accident insurance
Accidents can happen to anyone, at any time. Make sure you’re prepared.
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What it's for
Accidents are unpredictable, but you can secure financial protection against them. Personal Accident Insurance provides a tax-free payment if you or an eligible dependent sustains an injury at home or at work. You are eligible for this benefit until age 70. Children must be under the age of 18 (or 23 if in full-time education) at the start of the policy to qualify.
Cash benefits may be used to cover medical costs, as well as everyday expenses such as mortgage payments, childcare, and groceries.
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Cover details
You can elect cover for yourself in units between one and 10, where one unit is £25,000. You can also elect cover for your spouse or partner and unmarried dependent child(ren) (including legally adopted children or stepchildren) under the age of 18 or under the age of 23 if in full-time education. There is no limit on the number of children you can cover.
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Costs
The chart below shows what you pay per month and per year, per unit of cover, when you’re covering yourself or yourself and your spouse/partner.
YOU You + Spouse/Partner Units Monthly Cost Annual Cost Monthly Cost Annual Cost 1 £1.16 £13.92 £2.31 £27.72 2 £1.83 £21.96 £3.67 £44.04 3 £2.51 £30.12 £5.02 £60.24 4 £3.19 £38.28 £6.37 £76.44 5 £3.86 £46.32 £7.72 £92.64 6 £4.54 £54.48 £9.08 £108.96 7 £5.21 £62.52 £10.43 £125.16 8 £5.89 £70.68 £11.78 £141.36 9 £6.57 £78.84 £13.13 £157.56 10 £7.24 £86.88 £14.49 £173.88 The chart below shows what you pay per month and per year, per unit of cover, when you’re covering yourself and your children or yourself and your family.
You + Children You + Family Units Monthly Cost Annual Cost Monthly Cost Annual Cost 1 £2.31 £27.72 £2.31 £27.72 2 £3.67 £44.04 £3.67 £44.04 3 £5.02 £60.24 £5.02 £60.24 4 £6.37 £76.44 £6.37 £76.44 5 £7.72 £92.64 £7.72 £92.64 6 £9.08 £108.96 £9.08 £108.96 7 £10.43 £125.16 £10.43 £125.16 8 £11.78 £141.36 £11.78 £141.36 9 £13.13 £157.56 £13.13 £157.56 10 £14.49 £173.88 £14.49 £173.88