Personal Accident Insurance

Cover lost income and medical costs if you’re injured or unable to work.

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What is Personal Accident Insurance?

Personal Accident Insurance provides financial protection if you’re injured in an accident and unable to work. It helps cover lost income and essential expenses, giving you peace of mind so you can focus on recovery instead of worrying about finances.

Whether you’re a freelancer, sole trader, or business owner, this cover ensures you’re prepared for life’s unexpected setbacks.

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What Does Personal Accident Insurance Cover?

The policy pays a lump sum (capital benefit) or weekly payments if an accident results in any of the following within 24 months:

  • Amputation or paralysis at or above the wrist or ankle.
  • Permanent loss of sight in one eye.
  • Permanent total disablement.
  • Temporary total disablement (up to 104 weeks, £50 per week).
  • Death.

Do I Need Personal Accident Insurance?

While not legally required in the UK, it is highly recommended, especially if you are:

  • A freelancer or sole trader without statutory sick pay.
  • A business owner who wants extra protection beyond employer’s liability insurance.

An accident could leave you unable to earn for weeks or months. Personal accident insurance provides financial support, helping you recover without jeopardising your income or business.

Personal Accident Insurance does not cover:

  • Injuries occurring more than 24 months after the accident.
  • People under 16 or over 70 years old.
  • Long-term illnesses or repetitive strain injuries.
  • Injuries from high-risk activities (parachuting, water skiing, winter sports, motorcycling, etc.).
  • Injuries caused by alcoholism, drug use, or deliberate acts.

This cover is designed for unexpected accidents, not illnesses or injuries caused by risky activities.

You can add personal accident insurance to your professional indemnity insurance policy from Tapoly.

Get a Quote Today – Protect your income and stay financially secure, even after an unexpected accident.

Need more help?

Our online quote is fast and simple but, if you need help or a wider range of policy options, our team of experts.

Call us today: 020 7846 0108

9am to 5pm Monday to Friday.

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Why choose Tapoly?

Accessible Coverage

Get the protection you need, whenever you need it, with our easy-to-use online platform.

Affordable Pricing

Designed to fit your budget, ensuring you’re protected without breaking the bank.

Flexible and tailored

Choose coverage that grows with your business, from professional indemnity to public liability and beyond.

Learn more about insurance for Staff and Health