Accidents happen, are you covered?

Personal Accident Insurance


5 levels of benefits

Cash benefits should you suffer serious injury or permanent total disability


No admin fees


Fracture and Hospitalisation

Cover should you need to stay in hospital or break a bone. Restrictions apply

Make a claim

Personal Accident Insurance

What is insured

The Fatal Injury or Injury section covers you if an insured person suffers bodily injury during the period of insurance that within 2 years (independently of any other cause) results in:

Show the maximum amount payable for 

  • Permanent total disablement up to £30,000£60,000£90,000£120,000£150,000
  • Complete loss of sight up to £30,000£60,000£90,000£120,000£150,000
  • Loss of speech up to £30,000£60,000£90,000£120,000£150,000
  • Loss of hearing up to £30,000£60,000£90,000£120,000£150,000
  • Full thickness burns up to £4,800£9,600£14,400£19,200£24,000
  • Facial scarring up to £2,000£4,000£6,000£8,000£10,000
  • Fractures up to £1,250£2,500£3,750£5,000£6,250
  • Hospitalisation – from 5th consecutive night up to 365 nights

What is not insured

The Fatal Injury or Injury section does not cover you for:

  • Any claim arising directly or indirectly as a result of posttraumatic stress disorder and/or any related and/or associated conditions.
  • If the injury arises whilst the insured person is under the influence of alcohol or any illegal drug.
  • If the injury consists solely of illness, disease or disorder or if the injury arises from, is traceable to or is caused by any gradually developing bodily deterioration, whatever the cause of that deterioration.
  • If the injury is sustained by any child under the age of 30 days or after the period of insurance in which he/she attains the age of 18 or 23 if in full time education.
  • If the injury results from participating in professional sports.
  • If the injury results from motorcycling or quad biking any claim shall be limited to 50% of benefit(s).
  • If the injury occurs as a result of the use of or release of any Nuclear Weapon or device or Chemical or Biological agent.
  • There is no cover if the injury arises from suicide attempted. suicide, or is an intentional self-inflicted injury.

Terms & Conditions apply, please check your policy documents for details.

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Marketing preferences

Sometimes a Group company may contact you by post or telephone. We will give you the opportunity to choose not to receive further information by that method at the time.

You can update your marketing preferences at any time by emailing or calling us on 0151 363 5290. You can also use these details to ask us to stop contacting you by post and/or telephone.

How we will use your personal data

PMGI Limited (Forces Mutual) is committed to respecting and protecting your personal data. This sets out what we will do with your information and the arrangements we will make to keep that information private and safe. It also explains your rights.

The information you have supplied will be used to contact you about your insurance requirements. To find out how else we may use your information, select the ‘How we will use the information we will collect’ link below.

Click on the links below to find out more:
How we will use the information we collect?
Who and why might we share your information with
What precautions do we take to protect your information?
How long do we keep hold of your information?
Yours rights

To view our full privacy policy click here

Policy documents

It's important you understand all of the Key Information for Personal Accident Insurance. We recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

Personal Accident Insurance IPID Terms of Business Agreement Personal Accident Insurance Policy Booklet