Personal Accident Insurance

Gadget Title Image
Get Quote


When an accident happens, a natural reaction is to worry not only about yourself, but whoever else the accident will effect. Accidents can happen at any time, and the long term impact on your finances can be devastating.

Consider this:

  • How long will your employer continue to pay you your full salary if you are off work for a lengthy period?
  • What if you are self-employed?
  • What if you cannot return to your usual job because you are now disabled?
  • How would you family cope without your income?
  • Who would pay for alterations to your home if you were permanently disabled?

InsuranceFair has found a policy that can give you peace of mind.  In the event that you are involved in an accident and have to spend time out of work, potentially losing earnings or waiting for compensation, our personal accident insurance can ensure you can focus on the important things like recovery instead of worrying about finances.

By protecting you, your family and your finances with a personal accident insurance policy, you could save hundreds or even thousands of pounds of expense caused by something completely unforeseen. Our personal accident insurance policy provides you with options to add to your policy, tailoring it to suit your needs.


  • A tax-free cash lump sum of up to £250,000 in the event of your accidental death (under current legislation) to leave to a loved one.
  • Monthly premiums start from just £1.02 per month (this is based on £10,000 accidental death benefit cover).
  • Policies are available to anyone aged between 18 and 80 inclusive (Accidental death benefit only for those aged 65-80).
  • For a small increase in monthly premium, you have the option of including Accidental Disability cover, Extended Permanent Accidental Disability cover or Temporary Accidental Disability Insurance cover
  • There are further extensions available, including Bereavement Benefit, Funeral Expenses Benefit, Dependent’s Benefit and Home Alteration Benefit from a couple of pounds extra each month.

Get Quote


If you would like to find out more information about Personal Accident Insurance, please see the tabs below.

Please view the policy benefits and security requirements below;

Please view the policy summary below;



Please view the policy wording below;

If you would like to make a claim, please complete the online claims form using the link below;

Claims Form

For terminology and definitions, please see below:

Accidental Death Benefit – death caused by an accident; defined as a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the period of insurance.

Bereavement Benefit – Up to £2,500 to cover the cost for counselling sessions when an immediate family member requires bereavement and trauma counselling as a result of the death of the insured person (subject to terms and conditions)

Dependent’s Benefit
– In the event that you suffer Bodily Injury or Loss of Limb(s) or Loss of Sight ot Permanent Total Disablement, you may become entitled to a benefit of up to a total of £20,000 to cover additional necessary childcare expenses, or necessary domestic assistance expenses or £5,000 per dependent minor child under the age of 18. This benefit will apply for a maximum period of 104 weeks. The total benefit payable under this extension will not exceed £20,000.

Funeral Expenses Benefit – In the event of you accidental death, this benefit will pay up to £2,500 for all funeral director costs, as well as disbursements. However, your next of kin will obviously need to pay for any extras they would like to include at the time of arranging the funeral.

Home Alteration Benefit – If your Permanent Total Disablement requires you to use a wheelchair; this benefit will pay up to £10,000 towards the one-time cost of alterations to your home in order to make it wheelchair accessible and habitable (subject to terms and conditions)

Permanent Total Disablement – means disablement caused by an accident which will render you unable to carry out your own or usual occupation for the remainder of your life.

Temporary Total Disablement
–  Means that you are totally disabled by an accident and therefore unable to work in the occupation for which you were being paid at the time of the accident and, throughout the period of your disability you remain under the prudent care of a qualified doctor. It is anticipated that you will recover from your disablement to enable you to resume your usual occupation. Any benefit paid will be subject to the Excess Period stated in your Schedule and may be reduced by any employer provided sick pay

If you would like a quote, please click on the ‘Get Quote’ button below.

Get Quote