Accident Only Income Protection

It's easy to overlook the possibility that you could one day have a disabling injury that forces you to give up your work, but that doesn’t mean it won’t happen. Our Accident Only Income Protection policy will cover you financially if you’re medically certified as unable to carry out the core duties of your job due to an accident. And, for your peace of mind, you can choose a benefit of up to £6,000 per month (depending on your selection when taking out the policy). 

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What you need to know
What are you covered for?

Our policy covers those who have been medically certified as unable to carry out the key duties of their occupation as a result of an injury caused by an accident. The policy provides replacement earnings for those lost as a result of the accident. 

You will be covered for: 

• Up to 70% of your earnings, or between £500 and £6000 per month, depending on your selection when taking out your policy. 

• Accidents caused by hazardous pursuits, as long as they are listed in your policy document. 

• Back-To-Work benefits if your salary is reduced upon returning to work. 

• Accidental death protection if death occurs within 30 days of the accident.  

To be eligible for our Accident Only Income Protection cover, you must: 

• Have been working at least 16 hours a week immediately prior to the accident. 

• Be self-employed or employed.  

• Be a UK resident aged 18-59. 

• Have three years of medical records from a UK doctor. 

• Be working and living in the UK. You will also be covered for short periods of holiday abroad. (However, always check your policy documents before traveling, as visits to some countries may invalidate your insurance.) 

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What aren't you covered for?

Our policy doesn’t cover: 

• The primary reason you cannot work is because of a pre-existing condition made worse by an accident.  

• The injury you are claiming is intentional or self-inflicted. 

• You suffer a disabling injury while partaking in an activity you were advised not to participate in for medical reasons. 

• The accident occurred as a result of drugs or alcohol. 

• Your accident occurred while working abroad for more than 14 days on a single trip or more than 30 days in 12 months. 

• Your claim occurred while you were in a country where the FCDO advises against travel or recommends essential travel only. 

• Your claim is caused by your involvement in criminal activity. 

Suitable for

• UK residents aged between 18 and 59 who work in the UK.

• People who want to receive a regular benefit if they can’t work due to an accident and suffer a loss of earnings as a result.

• Someone looking for a policy tailored to their circumstances and requirements, such as the amount of benefit and the hazardous pursuits cover.

• Those planning to work more than 16 hours a week. However, in some cases, a contingency benefit of £500 a month for a maximum of 12 months is offered to those working less than 16 hours a week.

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Not suitable for

• People looking for protection against pre-existing conditions that could be made worse by a future accident.

• People who want to be covered for ill health or injury that is not caused by an accident.

• People who aren't registered with a UK doctor who has access to their medical records from the past 3 years.

• People who work outside the UK for more than 14 days (and 30 days in total in any year). Accidents in countries where the FCDO advises against any travel or non-essential travel.

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Why choose UK Sure Accident Only Income Protection Policy?

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At UK Sure, we’re committed to providing affordable, straightforward insurance policies that are easy to take out (you can buy our policies online in minutes).   

It’s hard to consider the potential that one day you could have a disabling accident that leaves you unable to do your job but, unfortunately, it’s a possibility. And, depending on your lifestyle or occupation, you might be more at risk than average.  

Taking out Accident Only Income Protection will give you financial peace of mind that you’re protected if you can't earn money due to an accident. We hope you never have to claim on your policy, but you’ll be glad you have protection if you ever need it. 

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Policy Documents

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This insurance is arranged by Stubben Edge who is also the policy administrator and is underwritten by Novus Underwriting Limited on behalf of Millennium Insurance Limited.

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