• Personal Accident Insurance: Why It’s Worth Considering

    Personal Accident Insurance: Why It’s Worth Considering

    This article was published on 22 December 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    Serving in the British Armed Forces brings unique rewards and unique risks. Whether you’re on deployment, training, or simply going about your day-to-day duties, the physical demands of military life can increase the likelihood of accidental injury. That’s why personal accident insurance is worth serious consideration for anyone in uniform.

    In this article, we’ll explore what personal accident insurance is, why it’s particularly relevant for service personnel, and how Forces Mutual aims to support members of the Armed Forces community with reliable, straightforward protection.

    What is personal accident insurance?

    Personal accident insurance offers financial support if you suffer a serious injury due to an accident. Depending on the policy, it can provide a lump-sum payment for injuries such as fractures, burns, loss of limb, or accidental death.

    Unlike standard health or life insurance, this type of cover focuses specifically on the unexpected physical impact of an accident, helping ease the financial strain during recovery.

    Why it matters for serving Armed Forces personnel

    Military roles often involve activities that are far from ordinary. Training exercises, physical tasks, adventurous training, and operational duties all carry an element of risk that most civilians don’t encounter daily.

    Here’s why personal accident insurance is particularly relevant:

    1. Higher exposure to risk

    From dynamic environments to physically demanding activities, service life naturally brings a greater chance of injury.

    2. Helps cushion the financial impact

    An injury can lead to time away from duties, additional costs, or long-term physical challenges. A lump-sum payment can help cover bills, rehabilitation, or family expenses.

    3. Peace of mind for you and your family

    Knowing you have a financial buffer in place can offer reassurance — especially for families who rely on your income.

    How it complements other forms of protection

    Personal accident insurance works well alongside other types of cover such as Life Insurance and Critical Illness Cover. While these products protect against different life events, together they help build a more complete financial safety net.

    For example:

    • Life Insurance supports your loved ones financially if the worst happens.
    • Critical Illness Cover pays out if you’re diagnosed with a serious medical condition.
    • Personal Accident Insurance focuses specifically on accidental injuries.

    We’re here to help with Forces Mutual Personal Accident Insurance

    Choosing the right protection can feel overwhelming, but you don’t have to navigate it alone. Forces Mutual advisors are on hand to help you understand your options and find cover that fits your personal circumstances.

    You can also get a quote online here or call us on 0151 363 5290.

    Forces Mutual Personal Accident Insurance is arranged and administered by PMGI Limited (trading as Forces Mutual) and is underwritten by SiriusPoint International Insurance Corporation.

    For your security, all telephone calls are recorded and may be monitored.

    Alex Mculty

  • The Safety Net Duo: Life Insurance & Personal Accident Insurance

    The Safety Net Duo: Life Insurance & Personal Accident Insurance

    This article was published on 22 September 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

    For members of the British Armed Forces, life is anything but predictable. Whether deployed, training, or spending precious time at home, peace of mind is essential not just for the individual, but for the family behind them. Two insurance products that can help build that peace of mind are Life Insurance and Personal Accident Insurance.

    Though they cover different needs, both offer vital protection and financial support when it matters most.

    Life Insurance: Long-Term Support for Loved Ones

    Life Insurance, especially when paired with Serious or Critical Illness Cover, is designed to offer financial protection if the worst happens. Whether through a cash lump sum, or with some insurance providers an income if you are diagnosed with one of the covered conditions. This type of cover can help ensure families are supported in the event of death or diagnosis of a serious medical condition.

    Key features:

    • A lump sum payout upon death
    • Optional Serious or Critical Illness Cover, covering conditions like heart attack, cancer or stroke
    • Flexible cover to match your family’s evolving needs

    Making sure you and your family are financially protected should an illness or something worse occur is easy with the right advice. At Forces Mutual, we have trusted advisors who take the time to understand your needs and offer expert guidance when it comes to Life Insurance and Critical Illness Cover.

    Personal Accident Insurance: Protection When Accidents Strike

    While life insurance typically covers illness or death, Personal Accident Insurance is focused on the physical injuries and consequences of accidents whether on or off duty.

    Key benefits:

    • Cover available for permanent total disablement, fractures, facial scarring, hospitalisation, and more
    • Affordable cover available to give you peace of mind financially
    • Available to serving personnel, veterans, reservists, and families

    This cover is particularly useful for those with an active lifestyle or who want to ensure they’re covered beyond illness-related events. With Forces Mutual Personal Accident Insurance, you can choose from five levels of cover depending on your needs.

    Why Both Types of Protection Matter

    Life Insurance and Personal Accident Insurance are different, but equally important for reasons outlined in this article. Many people may find that having one doesn’t replace the need for the other, instead, they see the benefits of having both.

    • Life Insurance: Focuses on serious illness and death
    • Personal Accident Insurance: Covers sudden injuries and accident-related outcomes

    Whether you’re on active duty or planning for the future, having the right cover in place can make all the difference for you and for your family.

    To learn more about Forces Mutual Life Insurance or Personal Accident Insurance, click the links below:

    Personal Accident Insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Astrenska Insurance Limited.

    Forces Mutual is an insurance intermediary acting on your behalf. We offer an advised service for life insurance and critical illness cover, where a personal recommendation will be made once we have assessed your needs. We offer restricted advice from a panel of insurance companies. This means that our advice is restricted to products from a limited number of companies that Forces Mutual has selected. Restrictions on cover may apply if under orders to deploy to an area of conflict within 6 months.

    Alex Mculty

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