Accident Protection


Accident protection can provide a one-off small lump sum in the event of an accident – such as broken bones. This can ensure any costs that are incurred because of this can be paid for but can also help people who rely on not getting injured to do their job.

Many car insurance companies will include personal accident cover and is worth obtaining if you work in a high risk environment. Key Mortgages can help you protect your family and find a policy that best suits your needs during these unpredictable times.

What accidents will I be protected from with this cover?

Every accident protection policy is different and the payout you receive will depend on your personal circumstances. A payout will be delivered following situations such as the examples below.

  • A workplace accident or injury
  • A road traffic accident
  • Amputations as a result of the accident within a certain time frame
  • Criminal violence

What are the benefits of accident protection insurance?

One of the main benefits of having an accident protection policy is that you avoid the possibility of having to pay medical bills which are likely to be very expensive. It can be difficult dipping into savings to pay for something we weren’t expecting, so the right cover will provide some financial security and overall peace of mind.

Being unable to work can be worrying, with bills and family to think about. At Key Mortgages we aim to provide our customers with the most support possible during challenging times, so we can help protect you against loss of income and other financial difficulties following an injury.

What doesn’t accident protection cover?

Although accident protection insurance covers a wide spectrum of injuries and illnesses, here are some examples of what might not be included.

  • Injuries suffered before the plan was purchased
  • Dangerous or reckless activities
  • Self inflicted injury
  • Injuries that are incurred under the influence of drugs or alcohol
  • Sickness or mental health reasons - these usually come under other medical insurance policies


Questions & Answers

When is accident protection paid out?

The pay out you receive will be based on the severity of your injury and will be released following the event of an accident or accidental death.

How much accident protection do I need?

Some level of cover is provided by car insurance companies as part of a comprehensive policy, however a standalone personal accident protection policy will provide you with more protection for yourself and other family members.

How do I claim personal accident insurance?

You will only be able to claim and receive a payout in the event of a serious injury. If you have a policy, you will be covered immediately.