Accident and Sickness Insurance | Compare UK Top UK Insurers
Protect Your Income with Accident & Sickness Insurance
If illness or injury stops you working, could you still pay the bills? This cover gives you a monthly tax-free income while you recover – fast, flexible, and affordable protection.
Monthly Tax-Free Payouts
Receive income when you’re unable to work due to illness or injury.
From Just £5/month
Affordable and flexible plans tailored to your lifestyle and budget.
Quick & Easy Setup
Apply in minutes – no complex paperwork or delays.
Get Your Free Accident & Sickness Quote
Complete the quick form below to see how affordable it is to protect your income.
“After surgery, I couldn’t work – but this cover paid my bills without hassle!”
– James W, Kent
Still have questions? Call us now on 📞 01702 820 002 to speak with a friendly FCA-regulated adviser.
Frequently Asked Questions
What is Accident & Sickness Insurance?
It pays a monthly tax-free income if you’re unable to work due to illness or injury, helping you cover bills while you recover.
How long will the policy pay out for?
Short-term options pay for 6–24 months. Longer-term plans can cover you until age 60 or 65, depending on the insurer.
What is a deferred period?
This is the waiting time before your payments begin. Common choices are 1, 4, 8, or 13 weeks.
Can I choose how much cover I get?
Yes. You can choose a payout based on your income — typically up to 70%.
Do I need a medical to apply?
Usually no. Most providers just ask a few health and lifestyle questions.
Is this the same as Income Protection?
It’s similar. Accident & Sickness cover is usually shorter-term and simpler to set up.
Can I get cover if I’m self-employed?
Yes, this cover is ideal if you don’t get sick pay. It’s based on recent income or agreed benefit.
Will my premiums go up over time?
Some policies have fixed premiums. Others may increase with age or reviews.
Can I cancel the policy at any time?
Yes — you’re free to cancel at any time without penalty.
How do I make a claim?
Contact us or your insurer. You’ll need medical proof like a GP note or hospital summary.
Fracture Cover Benefit
Get a tax-free lump sum if you break a bone, dislocate a joint, or tear a tendon.
Learn MoreLife Insurance Cover
Protect your loved ones with a lump sum payout if you pass away.
Explore Life CoverOver 50s Insurance
Guaranteed acceptance for UK residents aged 50–80 with no medical checks.
Get Over 50s Quote