Financial support when an accident disrupts everyday life.
Accidents can happen anywhere, at work, at home, while exercising or simply going about your day.
A broken bone, serious injury or hospital stay can affect more than your health. You may need time away from work, help at home, additional childcare or support while you recover.
Accident and hospitalisation cover can provide a cash payment following certain injuries or insured events. The money is paid directly to you and can be used wherever it is needed most.
How could the payment help?
Any payment you receive can be used in the way that helps you most. This could include:
It is important to understand that this cover is not the same as income protection. It provides set payments for specified injuries and events rather than a regular replacement income.
What can accident cover include?
Depending on the policy and level of protection selected, cover may provide a payment for:
The amount paid is based on the injury or event covered by the policy, rather than your actual financial loss.
Optional protection for your family
Some policies allow additional protection to be included for eligible children. Depending on the cover selected, this may provide payments following:
This could provide valuable financial support if a parent or carer needs to take time away from work to look after a child.
Cover for active lifestyles
Additional cover may also be available for people who enjoy sport, exercise or other physical activities.
This can extend protection to certain serious dislocations, tendon ruptures and complete ligament tears caused by an accident, subject to the policy definitions and exclusions.
More than a payment
Selected policies may also include access to additional services such as:
These services can be useful even if you never need to make an insurance claim.
Is accident insurance worth considering?
Accident cover may be particularly relevant if you:
Finding the right level of cover
Accident and hospitalisation policies can usually be tailored by selecting different levels of protection and adding optional benefits where appropriate.
At RH Mortgage & Financial Solutions, we will explain what is covered, what is not covered and how the policy could fit alongside any life insurance, critical illness cover or income protection you already have.
Talk to us about accident cover
If an unexpected accident would put pressure on your finances, speak to our team. We can help you understand the options and decide whether this type of protection is suitable for you.
Contact us to arrange a complimentary protection review.
Terms, conditions, benefit limits, qualifying periods and exclusions apply. Cover only pays for the injuries and events defined in the policy. Hospitalisation benefits may be restricted to UK hospitals, and sickness-related hospital stays may not be covered during the initial qualifying period.
We’ll talk you through your options honestly, compare policies across the whole market, and make sure you get the right level of cover at a price that works for you.
We aim to respond to all enquiries within one working day. If your matter is urgent, please call us directly.
