Accident insurance - adults and children

Accident insurance is very important. Surprisingly more people in the UK take out life assurance than accident insurance. You are much more likely to be off work following an accident and yet having to live on State benefits (meagre) is not the pleasant of prospects. Different needs may apply and occupation is important. A teacher needing accident insurance will pay less than scaffolders needing accident insurance for instance and, of course we have to consider other activities. Many sports are covered but, for instance if you need accident insurance when horse riding we may have to obtain a bespoke quote. (If you own a horse you may find the policy gives some accident insurance while horse riding - but it is unlikely that you would be covered for normal activities under such a policy).

We are able to offer quotes online for cheap accident insurance with the option of including, in many cases, sickness as well. A wide range of trades are included. 

If you want a cheap online accident insurance quote (with the sickness option) then click on this link. As we are an insurance broker not an accident insurance company, we offer quotes for more than one policy.

Typical Benefits for accident insurance

• Capital Benefits - these cover death, loss of limbs, eyes following an accident and are for fixed amounts.

• Weekly Benefits - these cover a weekly amount for up to 24 months should you be totally unable to work following an accident.

• Sickness Benefits - optional, but only available if you take weekly benefits following an accident as well. Covers up to 12 months off work due to sickness

The death benefit can be written in trust so that it does not become part of your estate should the worst happen, but go directly to your spouse.

Our policies are available for people aged 18 to 55 and if sickness cover is not needed this age range is extended up to 60. As is usual details of pre-existing medical conditions will be required and it is likely that they will be excluded.

Accident Insurance for Schoolchildren

Children are prone to have accidents as they grow up and explore their environment. We are also able to offer accident insurance for children should they be injured - this option includes most sports except rugby (which can be added).

If you want the child accident insurance policy for schoolchildren then click on this link.

You may, of course be wanting cover against redundancy or unemployment as well - if so then You can obtain online quote for accident, sickness and unemployment insurance for mortgage protection insurance and income protection insurance - we offer a wide range of mortgage and income protection policies.

B. Portwood & Co Ltd operate a website offering information on virtually all forms of insurance. Why not have a look at our insurance home page for further details?

Duty of Disclosure

You are reminded of your duty to disclose all material facts when applying to buy any insurance contract, at renewal of your policy or when they change. Examples of material facts are : changes in occupation or salary. If you are in doubt whether a fact is material it should be disclosed as failure to do so could result in your policy not protecting you should you need to make a claim.

Whether needing teacher accident insurance or scaffolders accident insurance - or indeed accident insurance for many other trades, you can find our cheap online quote system by clicking on this link.