Personal Accident Insurance

Accidents and injuries can stop you in your tracks. We’ve got your back when you need it most. 

What is Personal Accident Insurance?

Personal Accident Insurance provides a lump sum in the event of suffering bodily injury as a result of an accident, ensuring you can continue to pay your bills whilst you may not be able to provide your services.

Get cover from as little as

£ 4 .68

per month

Personal Accident Insurance. We've got you.

As a self employed contractor, freelancer or sole trader, unforeseen accidents can cause an immediate impact on your income as you become unable to provide your services. Personal Accident Insurance provides you with a lump sum benefit should you suffer an accident that results in an insured injury, ensuring your income is protected during difficult times.

The cover provided ranges from £50 per day hospital benefit, to £50,000 in the event an Insured Person suffers permanent brain damage.

Please see the table of benefits provided below for full details of cover. Benefits are paid in full should a valid claim be received.

Should one incident cause multiple injuries, or should multiple claims be made during the policy period total value of all claims paid under the policy is £50,000.

What does Personal Accident Insurance cover?

Hospital Benefit
Up to £50 for every day you’re in hospital (up to 60 days and after the first 24 hrs)
Cover for Range of Injuries
Take a look at the full list of benefits below for full details
Lump Sum for Injuries Sustained
Up to £50,000 in the event of bodily injury or death as a result of an accident

Full list of benefits

Qdos Personal Accident Insurance provides up to £50 per day hospital benefit, and a lump sum payment up to £50,000, in the event of bodily injury as a result of an accident. Should one incident cause multiple injuries, or should multiple claims be made during the policy period total value of all claims paid under the policy is £50,000. See table below for full details.

 

1. Death 

Death £50,000

 

2. Permanent Disabilities

Senses and Faculties
Total loss of sight in one eye £50,000
Total deafness in both ears £50,000
Total deafness in one ear £20,000
Total loss of speech £50,000
Total loss of taste and smell £15,000
Quadriplegia £50,000
Paraplegia £50,000
Permanent Brain Damage £50,000

 

Face and skull
Loss of whole lower jaw: £50,000
General loss of facial tissue incapable of surgical reinstatement
and necessitating use of a cosmetic mask:
£50,000
General loss of facial tissue partially capable of surgical reinstatement, 
but with poor cosmetic result:
£35,000
Loss of bony substance of the skull in all its thickness: 6sq. cm. or 
more:
£15,000
Loss of bony substance of the skull in all its thickness: 6sq. cm. or 
more: 3sq. cm.
£5,000
Prominently raised facial scarring totalling: 15cm. in length or 15sq. cm. in 
area
£10,000

Prominently raised facial scarring totalling: 5cm. in length or 5sq. cm. in 
area

£2,500

 

Burns

Over 25sq.cm. in area £5,000 

 

Bodily organs and spinal column
Loss of one kidney £20,000
Loss of whole of one lung £20,000
Severe loss of spinal strength substantially and continuously restricting 
normal day to day domestic activity
£25,000
Partial loss of spinal strength and mobility with continuous pain during 
normal day to day domestic activity
£10,000

 

Upper limbs
Loss of one arm or one hand £50,000
Complete immobility of shoulder £35,000
Complete immobility of elbow; in unfavourable position £25,000
Complete immobility of elbow; in favourable position [within 15 
degrees of right angle]
£17,500
Complete immobility of wrist; in straight position £12,500
Complete immobility of wrist; in awkward position £17,500
Total loss of thumb £12,500
Partial loss of thumb: one phalange £7,500
Complete immobility of thumb £7,500
Total loss of forefinger £7,500
Partial loss of forefinger: one phalange £2,500
Partial loss of forefinger: two phalange £5,000
Total loss of any other finger £2,500
Complete immobility of finger (other than thumb for which see above) £2,500

 

Lower limbs

Loss of leg at or above the knee £50,000
Loss of leg below the knee £35,000
Loss of foot at or above the ankle joint £30,000
Loss of half foot £20,000
Complete immobility of hip £25,000
Complete immobility of knee £15,000
Total or partial loss of kneecap with considerably restricted movement £15,000
Total or partial loss of kneecap with full movement preserved £7,500
Shortening of lower limb: by 5cm or more £15,000
Shortening of lower limb: by 3cm to 5cm £10,000
Shortening of lower limb: by less than 3cm £5,000
Loss of big toe £7,500
Complete immobility of big toe £5,000
Loss of any other toe £5,000
Complete immobility of toe (other than big toe for which see above) £2,500

 

Fractures up to 5 claims per calendar year
Grade 1 £300
Grade 2 £500
Grade 3 £700

 

Daily hospital benefit up to 60 days, excluding the first 24 hours £50

Frequently Asked Questions

Qdos Personal Accident Insurance provides up to £50 per day hospital benefit, and a lump sum payment up to £50,000, in the event of bodily injury as a result of an accident. The amount paid differs based on the injury suffered: please see table of benefits provided.

The accident does not need to have occurred during the provision of services.
Please note this policy does not provide cover in the event of:

  • The Insured Person’s suicide or attempted suicide or intentional self-injury or the Insured Person being in a state of insanity;
  • The Insured Person's own criminal act;
  • The Insured Person being under the influence of alcohol or drugs.
  • An Accident occurring outside the United Kingdom, European Economic Area, United States of America, Canada, Australia or New Zealand
  • The Insured Person’s participation in any Hazardous Pursuit (as defined in the policy wording) such as extreme sports or activities in open seas
  • Any condition for which the Insured Person has sought advice, diagnosis, treatment or counselling or of which the Insured Person was or should reasonably have been aware at inception of this insurance contract or for which the Insured Person has been treated at any time prior to inception of this insurance contract.

Personal Accident Insurance provides a lump sum benefit in the event of bodily injury caused by an accident, as set out in the table of benefits provided. The Qdos policy is available to any self-employed individual including limited company contractors, sole traders, and freelancers. Find out why 57% of Personal Accident policyholders operate in the  energy sector.

Contractor Sickness Cover however provides a monthly sum in the event of long-term disablement, whether from accident, sickness, or bodily injury. Contractor Sickness Cover is currently only available to limited company contractors, and also includes a lump sum in the event of accidental death.

Click here for more information on this policy or compare accident and sickness policies here.

Income Protection Insurance is a term used to describe a type of insurance cover which provides financial benefit in the event of a number of circumstances which may cause you unable to provide your services, such as unemployment, jury service (See Jury Service & Legal Protection), and illness.

Qdos Personal Accident Insurance is a type of income protection cover for the self-employed, which provides a lump sum financial benefit in the event of an accident, helping you to keep your business afloat whilst you may not be able to work.
Why Qdos?
Personal Accident cover makes sure you're able to protect your income should an unfortunate accident occur. Qdos have been protecting self-employed professionals for over 30 years.
All of our policies include the following as standard:
A dedicated Account Manager
We'll never pass you around a call centre
 
Online account for 24/7 access
Manage your policies at a time that suits you
Free IR35 Contract Assessment
Because IR35 compliance starts with the written contract

Have a question?

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Prefer to talk to us in person?

Call our team on 0116 269 0999 or we can call you back at a time that suits you!