Accident Insurance will pay a tax-free lump sum on death or another specified payments if you suffer an injury that is covered in the policy which occurs as a result of an accident. The sums covered are pre-stated, as is the nature of the injury required to trigger the payout. These might include a loss of a sense or limb.

Accident insurance can look good value but the conditions that it covers can be limited. Added to a sickness and unemployment as cover for a loan, it may be useful- especially if you have active hobbies. However, if you are self-employed check that the cover provided is completely relevant to your needs. Apply now!