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 choose Markel’s insurance?
With over 25 years of expertise insuring contractors, consultants and self-employed professionals, Markel has an unrivalled understanding of the risks that you face in the workplace.
Markel are regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which can be found on the Financial Services Register.
Markel is a division of Markel International, a Lloyd’s and London market insurer which wrote gross premium totals of ££750 million ($1.0 billion) in 2017.