Accidental Permanent Injury Insurance
Help if you're permanently injured
Accidents happen, but some can be more serious than others. Our cover can help give you financial support if you are permanently injured as the result of an accident.
Cover starting from £2.08 a month
Depending on the level of cover you choose
Worldwide cover
You're covered across the globe as long as your main residence is in the UK
Tax-free lump sum (under current legislation)
We’ll provide any benefit as a tax-free lump sum
Is it right for you?
Why get cover
A permanent injury will significantly change how you live your life, and our cover may be able to help you to adjust. We'll pay out valid claims following the completion of treatment and confirmation that the injury is permanent.
Already have cover?
We’ll still pay any benefits from this policy – even if you’re covered by another insurance policy you may have. You should still regularly review your insurances so you're sure your cover still meets your needs.
Why get our plan?
Our cover is designed to help to support you financially following an accident that causes serious permanent injury.
- Wide range of injuries
Get covered for loss of limbs or loss of use of arms or legs, plus permanent loss of sight or hearing - Tax free lump sum
We’ll pay out your benefit as a tax-free lump sum - Insure your partner
You can choose to include your partner in your cover, provided they are aged 18 - 84 years and live with you - No medical required
This policy doesn’t require a medical, so pre-existing health conditions and life style choices won't affect the premium that you pay - Worldwide cover
You’re covered for accidental injury anywhere in the world, so long as your main residence is in the UK - Cover starting from £2.08 a month
The price you pay depends on the level of cover you want and if you choose to insure your partner - Payment is in addition to any other personal policies you may have
We’ll pay any benefit regardless of whether the person making the claim is covered by any other personal accident insurance
What's not covered
- Permanent injury due to illness or disease
This policy doesn’t cover any injury caused by illness or disease
- Permanent injury caused by self-inflicted injuries
This policy doesn’t cover any injury that is the result of deliberate or reckless self harm or suicide attempt - Injuries that don’t result in permanent injury
This policy doesn’t cover injuries that don’t result in permanent loss of function (e.g. broken bones, sprains and other soft tissue injuries) - Injuries caused by drug or alcohol abuse
This policy doesn’t cover injuries that are caused by drug use or acts of drunkenness, this includes but not limited to accidents caused when driving under the influence of drink or drugs
- Injuries caused by being a professional sportsperson
This policy doesn’t cover injuries caused by training or playing for any sport as a professional sportsperson
Take a look at our policy booklet for full details of what's covered and what's not covered.
Read our Accidental Permanent Injury Insurance policy booklet (PDF 223 KB)
Important documents
Everything you need to know before buying a new policy can be seen and read here.
If you already have a policy, please read the documents we sent to you.
What does it cost?
You can select the closest match from our range of covers that suits your needs and see how much it will cost. If you want, you can also insure your partner.
| Cover for you | Cover for you and your partner | ||
|---|---|---|---|
| Monthly Premium | Amount of cover | Monthly premium | Amount of cover per insured person |
| £2.08 | £67,500 | £4.19 | £67,500 |
| £3.12 | £102,500 | £6.27 | £102,500 |
| £4.19 | £140,000 | £8.36 | £140,000 |
| £5.22 | £177,500 | £10.45 | £177,500 |
Monthly premium inclusive of Insurance Premium Tax.
Are you eligible for cover?
You can get accidental permanent injury cover for you and your partner if you're both:
- Aged between 18 – 84 years old inclusive
- Resident in the UK, at the same address
How are benefits paid out?
You can choose your level of cover from the options above ranging between £67,500 and £177,500. The amount you get will depend on the type of injury you received. The table below shows the benefits payable as a percentage of the coverage amount for each type of injury.
Cover section: Claim benefits will be paid as a lump sum payment. If multiple injuries are sustained during the same accident, the benefit for each loss will apply as shown below.
Table of benefits
| Percentage of the insured person's benefit payable | |||
|---|---|---|---|
| Section A – Permanent bodily injury Please note that the benefits stated for loss of use of arm/leg represent a full loss of use | Amputation | One limb | 100% |
| Two limbs | 150% | ||
| Three limbs | 200% | ||
| Four limbs | 250% | ||
| Total loss of use | One limb | 100% | |
| Two limbs | 150% | ||
| Three limbs | 200% | ||
| Four limbs | 250% | ||
| Other permanent injury | 100% | ||
| Section B – Sensory disability | Loss of sight | One eye | 100% |
| Both eyes | 200% | ||
| Loss of hearing | One ear | 100% | |
| Both ears | 200% | ||
If you want to cancel or need to make a change to your policy following your purchase you’ll need to get in touch by phone or email us and we’ll be happy to make the changes for you.
How our claims process works
Whatever happens, we’re here when you need us.
Let us know
Call us on 0800 051 5175 to start the claim process.^ Lines are open Monday to Friday 9:00am to 5:00pm.
Expert review
Our team of experts will review the claim and be in contact if they need any more information.
Receive payment
We’ll pay the claim benefit directly to the insured person.
Looking for something else?
We offer a range of personal accident cover.
Accidental Death Insurance
No one likes to think about it, and we hope it never happens, but there's always a chance that you may be involved in a fatal accident. It's important to plan for what happens next, our cover helps your partner or family with financial support.
Hospital Cash Plan
Receive a fixed daily payment if you have to stay in hospital for treatment, and cover your partner and children too.
Get instant support
Ask our chatbot for online help or to connect with our support teams
Contact us
Still need help? Give us a call
0800 051 8998
Monday to Friday: 9:00am - 5:00pm
Weekends and Bank Holidays: Closed
For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.