As with all insurance policies, there are some restrictions to your coverage. You won’t be able to make a claim if: 

• The primary reason you cannot work is because of a pre-existing condition made worse by an accident.  
• The injury you are claiming for is intentional or self-inflicted. 
• You suffer a disabling injury as a result of 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 a 12-month period. 
• 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. 

You’ll also have to be a UK resident working in the UK aged between 18-59 and working for 16 hours or more per week imminently prior to the accident to be accepted.  

For full details on eligibility and restrictions to your policy, please see your policy document. 

This is when you die from an accident rather than anything health related.   

With your Accident Only Income Protection cover, you’ll have the option to cover accidental death in the instance death occurs within 30 days of an accident and as a direct result of that accident. 

Please see the policy summary for full details.  

When taking your policy, you are obligated to disclose all important or relevant information. You must also take reasonable care to provide accurate answers to questions when you take out or change your policy and when you make a claim. 

You also have a duty of fair presentation of the risk to us before the policy starts or when you make any amendments to your policy.  

Full details of what constitutes “fair presentation” and the consequences of breaching this duty are given in the Policy Document.