Accidental Insurance in the UK

We are specialising in insurance advisory services in the United Kingdom. We specialize in life insurance, income protection and more other insurance plans available in the UK. We only offer insurance from reputable British insurance companies, including AIG, Aviva, Guardian, Legal & General, One Family, Royal London, Scottish Widows, The Exeter, Vitality Life, and Zurich. Every day, we take care of the future of our clients and their loved ones.

Many of our clients who live and work in the UK often ask us about the available options for accident insurance for themselves, their families, and children.

Don’t wait and ensure peace of mind for yourself and your loved ones!

Insurance quote

Accident Insurance in the UK – Where to Start?

The key question that everyone should answer before choosing any insurance option in the UK is what matters most to you and what is the main priority. It is worth making it clear right away that there is no perfect insurance that covers all possible circumstances or situations. If anyone tells you otherwise, unfortunately, they are not being honest with you or simply have no idea what they are talking about.

Przykładowa wycena

Monthly Sick Pay:£1,000
Maximum Payout for single sickness or accident:£24,000
Additional Benefit for Fractures, Dislocations, Tendon ruptures and
Ligament tears:
up to £4,000
Monthly Premium:£16.87
Maximum Sick Pay Duration:2 years
Insurance Company:Legal & General

*This sample quote was generated on 17/04/2024 for a thirty-year-old non-smoking woman, occupation: waitress. Insurance period until age 68. Deferred Period – 4 weeks (exclusion period). Premiums increase with age.

Anyone interested in additional protection in unforeseen circumstances, such as an unfortunate accident resulting in injury, may consider accident insurance policies. Suitable accident insurance is a good solution for people working in risky occupations or engaging in dangerous sports. However, accident insurance should be an additional supplement to the insurance package for most individuals.

Get insured in 3 simple steps:

Free, no-obligation quote

Tell us about your needs and requirements, and we'll present the available options.

Customised offer

After our initial conversation, we'll determine the solutions that are most suitable for you. You'll receive an offer via email, usually within 1 day.

Formalities and application

Once the insurance recommendation is finalised, we'll handle all the formalities related to the application and medical questionnaire. Upon approval by the insurer, your policy will be activated immediately.

What sets us apart?

Security

Prestige Financial Advisers Ltd is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Additionally, the majority of the deals we recommend are covered by the Financial Services Compensation Scheme (FSCS).

Experience

With over a decade in the UK market and a track record of thousands of satisfied clients.

Knowledge

All our advisors hold top-notch British qualifications from either The London Institute of Banking & Finance or the Chartered Insurance Institute.

Language

We communicate in plain, understandable language, avoiding unnecessary jargon. Moreover, we are also fluent in Polish.

Choice

We exclusively offer policies from well-respected and trusted insurance firms across the UK.

Accessibility

We cater to clients from all corners of the UK, offering consultations online or over the phone. Each client is assigned a dedicated advisor who handles everything from arranging offers to managing policies.

No Fees

You won't encounter any hidden charges with us. Our remuneration comes from the insurance companies where your policies are set up.

Types of accident insurance policies

Types of accident insurance policies

There are plenty of insurance types available in the UK market, and typically, each insurance has a different application, price, quality, or guarantee, just like any other services or products.

Accidental insurance or Accidental protection is the type of insurance referred to as Non-Occupational Accident in the UK. Many insurance sector experts in the UK have very critical opinions about this type of policy, as they often have very limited coverage, many exclusions, and unfavourable terms and conditions, often reducing coverage to situations such as lost limbs or fractures. Primarily, to receive compensation from this type of insurance, the damage must be caused directly by an accident – so if an amputation of a leg occurs due to complications from an illness (e.g., diabetes), unfortunately, you will not receive compensation because it is not an accident situation, even if the insurer’s table states that they pay, for example, £50,000 or £100,000 for limb loss. Unfortunately, few people will read that it must be an “accidental loss of limb”. Often, it is not the fault of the person purchasing such insurance but the agent who did not fully explain it. Accidental insurance policies are usually relatively cheap and sometimes have several additional options to make the offer more attractive, which may seem deceptively attractive to some, such as hospital stays or children’s fractures.

Hospital Benefit – usually between £50-£100 per night of hospital stay. Suppose you have a knee problem and require surgery, so you will have to stay in the hospital for 3 days. Will the money you receive for hospital stay be sufficient if after the operation you cannot walk or work for several months? Probably, such an amount will be unsatisfactory and insufficient to cover bills.

Child Fracture Cover – yes, kids can break bones. Sure, the payout is often just a few hundred pounds, which could buy a new toy or a trip to Legoland once the cast comes off. But is that really crucial? Wouldn’t it make more sense to focus on solid insurance for adults? After all, they’re the breadwinners, supporting the family. If something happens to them, it could have far worse consequences for the whole family.

Accidental insurance policies can be the right solution for some individuals – mainly those working in very risky professions, engaging in extreme sports, or those unable to get insurance on standard terms due to a medical reasons. For most people working and living in the UK, it is advisable to treat it as a complement to the insurance package or as a secondary policy.

Insurance quote

Accidents covered by other insurances.

A significant portion of accidents that may occur are already somewhat insured, although we may not realise it. Here are a few examples:

  1. Road accident – covered by car insurance / third-party liability insurance.
  2. Workplace accident – employers in the UK are required to have Employers Liability insurance, which can cover the situation if something happens to you at work and you suffer injury.
  3. Shopping accident in a store – if you slip on spilled yogurt in a supermarket and dislocate your shoulder, the store has public liability insurance, from which you can claim compensation for the injury.

When it comes to accident insurance, it is essential to take a broader perspective and, therefore, worth looking into life insurance, income protection and critical illness cover offers and choosing the right policy for yourself.

Which accident insurance to choose in England?

Many insurance advisers in the UK agree that the primary type of insurance for people working in the UK should be income protection insurance, which is comprehensive private policy covering not only situations where you have an accident but also health issues and other health conditions that prevent you from working and earning. For many, this is the top priority to ensure that they do not have problems with receiving compensation when something happens.

Income Protection (or Accident and sickness insurance – other type of income replacement plan) can be described as the equivalent of private sickness payment – it is very versatile because there is no specific list of conditions and under what circumstances they must happen to you; it pays compensation based on the period you are on sick leave and unable to work. It doesn’t matter if it’s caused by a fracture, cancer diagnosis, heart attack, hip surgery, back pain, or lung failure. Insurance on such terms provides broader coverage and more potential situations in which you can receive compensation.

Another very important and often chosen solution is critical illness insurance in the UK – Critical Illness Cover. This type of policy covers expenses related to situations if you have a serious illness diagnosis – such as cancer, heart attack, stroke, multiple sclerosis, or total and permanent disability. Usually, the list of illnesses covered by this insurance is between 50-80 conditions. The payout is usually one-off and tax-free, so you can quickly receive money, which could be used to cover treatment costs — for private treatment, therapies, or other things that will be useful in these difficult times. Undoubtedly, it is easier to approach therapy and treatment of critical illnesses when you have a considerable cash injection and do not have to worry about finances for a while, for yourself and your family.

It is also worth noting that most critical illness insurance policies automatically include insurance for children (at no additional cost or for a small additional fee). Thus, if your child develops a serious illness, you can also count on additional compensation. For many parents, receiving specific compensation if their child has cancer or heart surgery is more important than receiving a few hundred pounds if their children break their arm.

Of course, for everyone with children, a family to support, or debts, life insurance in the UK will also be significant. This type of policy secures the finances of your loved ones in case of death. The insurance can be tailored to individual requirements, circumstances, and budget.

For all those considering purchasing life insurance, it is worth noting the claims process and to write the policy into Trust – i.e., having a valid Trust deed will be crucial when the insured person dies, so the family does not have to wait long for the money and they are distributed correctly (e.g. in the case of unmarried couples).

What determines the premium for accident insurance?

The price of accident insurance in the UK is usually determined by the compensation amounts you can receive in the event of an accident or injury. Typically, the larger the compensation amounts offered, the higher the monthly cost of such insurance. The scope of coverage will also affect the price – the more potential circumstances in which you may qualify for compensation, the higher you can expect the price to be.

What is the maximum amount of accident insurance?

The amounts of compensation for individual accidents should be specified in the insurance terms. They can range from a few hundred pounds for minor injuries to several hundred thousand for very serious accidents with long-lasting and irreversible health impairments. It is advisable to carefully check the insurance terms before deciding to purchase a policy. In the case of compensation from other insurance policies, such as motor insurance after a car accident or from an employer after an accident at work, it can even reach several million.

How long does accident insurance last?

Most often, the age until which you can continue accident insurance is between 65-70 years.

Kiedy polisy wypadkowe nie działają i nie są wypłacane?

Accidental insurance policies may have certain limitations, including:

  • territorial – insurance may not work if something happens to you in certain countries.
  • self-inflicted injuries.
  • participation in some very risky sports or activities.
  • illegal activities.
  • abuse of alcohol or being under the influence of intoxicating substances.

The above are just examples, and often the list of exclusions is much longer. Above all, it should be remembered that Accidental insurance plans usually cover only situations and conditions directly caused by an accident.

Can I apply for a payout from accident insurance more than once?

Accident insurance typically allows for multiple claims for compensation if necessary.

How long does it take to receive a payout from accident insurance?

It’s hard to say definitively and it can depend on the type of accident, the circumstances of the event, the extent of the injury, and many other factors. The process of receiving compensation for an uncomplicated bone fracture in the UK generally may take a matter of weeks, while on the other hand, the procedure related to serious disability may take many months.

Got more questions about accident insurance? Get in touch with us.

The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.
Rate this page

Do you need professional advice or a no obligation quote?

Ask us for a quote

Articles

Ubezpieczenie na życie w UK Ensuring Your Life Insurance Policy Pays Out: A Customer’s Guide
2 April 2024
Introduction: Life insurance is a crucial safety net for your loved ones, designed to provide...
obniżanie ceny Sellers gazundered in a buyer’s market
15 March 2024
Gazundering Last year, there was a 97% increase [1] in people searching for the word...
Ubezpieczenie Protecting your home against storms this winter
13 March 2024
Antoni and Agnes, Betty and Babet – all were names of storms in 2023. With...
Insurance quote