Personal Accident Insurance

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Accidents can happen. Are you covered?

Protect you and your family against potential financial hardship

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From £4.92 per month

With Worldwide Cover

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4 levels of benefits

Cash benefits should you suffer serious injury or permanent total disability

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Extend your cover

Can be extended to cover your spouse or partner and children

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Personal Accident Insurance

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-What's covered

  • Permanent injury, disablement or death caused by an accident
  • War Risks except between major powers (such as USA, China & Russia)
  • Accidental Death (death NOT by natural causes)
  • Terrorism except nuclear, biological or chemical
  • Permanent Total disablement cover up to £150,000
  • Cancer cover of specified organs
  • Hazardous occupations and activities
  • Four levels of protection with increasing levels of benefit
  • Optional cover available for your family

+What's not covered

  • Death or bodily injury whilst the insured person is under the influence of drugs or alcohol
  • Self-injury or suicide
  • Criminal act/riot or civil commotion of any kind by the insured person
  • Nuclear, Chemical or Biological Terrorism

+Add-ons

  • Extend Your Cover

    From as little as £2.32 per month you can extend your Personal Accident Insurance to include cover for Death by Natural Causes
  • Serious Illness

    Military tailored Serious Illness cover
    Find out more
  • Life Insurance

    Have you thought about full Life Insurance?
    Find out more

-Full Features

Benefit Level 1 Level 2 Level 3 Level 4
1. Accidental Death £2,500 £5,000 £7,500 £10,000
2. Permanent Total Disablement
a) Any Occupation £20,000 £50,000 £100,000 £150,000
b) Normal Occupation £2,500 £5,000 £10,000 £15,000
3. Permanent Injury
a) Total and irrecoverable loss of sight in:
i) one eye £10,000 £25,000 £50,000 £75,000
ii) both eyes £20,000 £50,000 £100,000 £150,000
b) Total loss of or complete and irrecoverable loss of use of:
i) one limb £15,000 £37,500 £75,000 £112,500
ii) both both ears £20,000 £50,000 £100,000 £150,000
c) Total and irrecoverable loss of hearing in:
i) one ear £5,000 £12,500 £25,000 £37,500
ii) both ears £20,000 £50,000 £100,000 £150,000
d) Complete and irrecoverable loss of speech: £20,000 £50,000 £100,000 £150,000
e) Loss of use of joint: £5,000 £12,500 £25,000 £37,500
f) Total loss of or complete and irrecoverable loss of use of:
i) one thumb £3,000 £7,500 £15,000 £22,500
ii) one finger £2,000 £5,000 £10,000 £15,000
iii) one toe £1,000 £2,500 £5,000 £7,500
g) Permanent facial disfigurement
(scaring to at least 20% of the face):
£1,000 £2,500 £5,000 £7,500
h) Third degree burns:
i) 27% or more of the body surface £6,000 £12,000 £18,000 £24,000
ii)18% but less than 27% of the body surface £4,500 £9,000 £13,500 £18,000
iii) 9% but less than 18% of the body surface £3,000 £6,000 £9,000 £12,000
iv) 4.5% but less than 9% of the body surface £1,500 £3,000 £4,500 £6,000
4. Bullet wound/shrapnel £500 £500 £500 £500
5. Hospital cash (max 100 days) £10 per day £20 per day £30 per day £40 per day
6. Loss of special service pay* £1,000 £2,500 £5,000 £7,500
7. Criminal injury supplement** £10,000 £10,000 £10,000 £10,000
8. Cancer of specified female organs £3,500 £3,500 £3,500 £3,500
9. Death by natural causes (if selected) £20,000 £50,000 £100,000 £150,000
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Right for you? Get started today.

Find us locally Start an enquiry

or call us on 00 800 00 01 02 03

Existing customer?

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Terms & Conditions apply, please check your policy documents for details. 3 months free cover is for new policies only.

* Only payable where there is a valid claim for one of the benefits 2 and 3
** Only payable where there is a valid claim for one of the benefits 1 to 3 caused by an injury sustained as a result of a criminal act


My Sovereign ISA
My Sovereign ISA