Personal Accident & Injury Insurance

How would you cope financially if you were unable to work due to an accident or illness? Or worse still, left permanently and totally disabled? Could you afford to pay your household bills?

This Personal Accident & Illness insurance policy provides financial reassurance for you and your family. It costs less than £1 per day for your peace of mind that if you are unable to work through illness your income is protected.


A freelance hairdresser injures their wrist whilst moving equipment. They’re unable to work for 10 weeks. Their Personal Accident & Illness policy pays £250 a week, less the 1 week excess period. They’re paid £250 per week for the final 9 weeks of disablement, a total of £2,250.


Statistics from the Royal Society for the Prevention of Accidents show that last year there were 1.6 million accidents at work and 5.9 million accidents outside of work. This cover protects your income regardless of where the accident occurred or the illness manifested.

Accident Cover Options & Key Benefits


Cover Personal Accident & Injury Personal Accident Only
Accidental Death £25,000 £25,000
Permanent Total Disablement £25,000 £25,000
Temporary Total Disablement £250 per week, 1 week excess up to 104 weeks £250 per week, 1 week excess up to 104 weeks
Premium (including IPT & £260) £260 £120


24 Hour Worldwide Cover
Age Limit without prior referral under 60 years. Full Schedule of Benefits provided at quote stage. Please provide full details of any accident in the last three years resulting in time off work.

This is exclusive to FHA members only – go to the members portal to access the code you will have to quote. 

Not a member? Sign up now by clicking here.

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