Occupational personal accident insurance
Helping you if you're unable to work due to a work-related injury from as little as £5 a month
Fast, easy online quote in just 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at just £5 a month
Frequently asked questions
What kind of claims does occupational personal accident cover against?
Occupational personal accident covers a wide range of situations when you are injured at work or while travelling to and from work, including
- You are knocked off your bike while commuting to work, suffer a broken arm and are unable to work for 3 months. Occupational personal accident insurance pays you the weekly benefit stated in your policy (subject to a two week deferment period).
- You slip at work, suffer a serious injury to your leg and are unable to work for 6 months. Occupational personal accident insurance pays you the weekly benefit stated in your policy (subject to a two week deferment period).
- You are involved in a serious accident at work which results in you losing a limb. Occupational personal accident insurance pays the lump sum stated in your policy.
Do I need occupational personal accident insurance?
If you would struggle to maintain an income following a work-based accident which resulted in you being unable to work for a period of time, you should give consideration to occupational personal accident insurance.
It is particularly popular amongst contractors, consultants and other self-employed professionals that do not receive sick pay, as it can provide much-needed funds at a difficult time.
What limit of cover should I choose?
Give some thought to your current income, outgoings and savings, and whether you (and your dependents) would benefit from a weekly payment if you were unable to work suddenly.
We offer a range of limits from £100 per week to £400 per week for temporary total disablement, or lump sums of £25k to £100k for those that experience permanent total disablement. You can tailor your limit to suit your individual requirements, meaning you'll only pay for the cover you've chosen.
Why should I insure with Markel?
Gathering over 25 years of expert knowledge of engineering insurance, Markel understands the liabilities and risks engineering businesses and professionals face every day. By developing this expertise, Markel have created policies to cover all bases.
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority - view details on the Financial Services Register.
The company is a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £750m ($1.0 billion) in 2017.
Still not sure? Talk it through with us by calling 0800 640 6600 or get an online quote in 90 seconds now, and call later if anything needs clarifying.