Accident Protection
Financial Support When Accidents Disrupt Your Life
Accident Protection provides financial support if you suffer a covered accidental injury, helping you manage everyday expenses while you recover.
Depending on your policy, Accident Protection may provide a lump sum payment, regular benefit, or cover for specific accidental injuries. The benefit can help with mortgage repayments, household bills, medical expenses, or other financial commitments when you need support the most.
Protection When Accidents Happen
When you choose an Accident Protection policy, you select the level of cover that best suits your needs. If you suffer a covered accidental injury and your claim meets the insurer’s terms and conditions, your policy will pay the agreed benefit based on the cover you selected.
Accident Protection vs Income Protection
While both policies provide financial support, they protect you in different ways. Accident Protection pays benefits if you’re injured in a covered accident. Income Protection provides a regular monthly income if illness or injury prevents you from working, subject to your policy terms. Many people choose both to create broader financial security.
Why Choose Accident Protection?
Accident Protection helps reduce the financial impact of a covered accidental injury by providing valuable support when you need it most. It can help you manage everyday expenses, protect your income, and complement your existing insurance cover, giving you and your family greater peace of mind.
Provides a cash benefit following a covered accidental injury.
Helps with mortgage repayments and everyday household expenses.
Works alongside your existing insurance for broader financial security.
Suitable for both employed and self employed individuals.
Offers reassurance for you and your family during unexpected situations.
Who Can Apply for Family Income Benefit?
Eligibility for Family Income Benefit varies between insurers and is based on your personal circumstances. When assessing your application, insurers will consider several factors to determine acceptance and the cost of your cover.
- Your age
- Your occupation
- Your medical history
- Your lifestyle
- Participation in hazardous activities
- Underwriting Review
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FAQ’s:
Accident Protection is an insurance policy that provides financial support if you suffer a covered accidental injury, subject to the policy’s terms and conditions.
If you suffer a covered accidental injury and your claim is accepted, your insurer will pay the agreed benefit in accordance with your policy.
Cover varies between insurers but may include accidental injuries such as fractures, burns, loss of limbs, permanent disability, or accidental death, depending on the policy.
Policies usually contain exclusions and conditions. It’s important to read the policy documentation carefully.
Accident Protection may be suitable for employed individuals, self-employed professionals, contractors, tradespeople, business owners, parents, sportspeople, people with active lifestyles, and anyone seeking additional financial protection against accidental injury.
Accident Protection covers specified accidental injuries, while Income Protection provides a regular income if illness or injury prevents you from working.
Yes. Many people choose both types of cover to provide broader financial protection.
Yes. Accident Protection can be particularly valuable for self-employed individuals who may not receive employer sick pay.
Yes. Smoking may not always affect Accident Protection in the same way as other insurance products.
Yes. Based on the policy conditions and payout.
Yes. You can usually cancel your policy at any time, although your cover will end once cancelled.
For many people, Accident Protection provides valuable financial reassurance by helping reduce the financial impact of an unexpected accidental injury.
An adviser will discuss your circumstances, recommend suitable cover, complete the application, and guide you through the insurer’s underwriting process.
At Ample Mortgages, we compare protection solutions from a range of insurers to help you find suitable Accident Protection that reflects your occupation, lifestyle, financial commitments, and long-term goals.