Help protect your family from the unimaginable

When you take out a Smart Family Life Insurance Policy, we know that you want your little ones protected if something should happen. Unfortunately, the reality is that illness and accidents can happen at any age. That’s why we offer optional Children’s Cover alongside every Smart Family Life Insurance policy, so your loved ones can have some extra protection.  

For an additional premium, you can choose a benefit amount of between £10,000 and £30,000, which will be paid out if your child suffers a specified serious illness or injury, or passes away in an accident. If you have an age-based policy, your Children’s Cover benefit amount will automatically increase by 5% each year for the first 10 years. Your premium will also increase each year due to the benefit amount increases. If you have a level policy, your Children’s Cover benefit amount and premium will remain fixed.

This cover is designed to provide some financial relief from things like medical bills and rehabilitation costs if the worst should happen, so your family can focus on getting through it together.

What's covered?

Any child (up to the age of 21) that is financially dependent on you can be insured under our Children’s Cover. If your child passes away due to an accident^, the additional benefit amount will be paid out. The benefit will also be paid out if your child suffers from any of these illnesses or injuries: 

  • Bacterial meningitis resulting in permanent symptoms 
  • Blindness – permanent and irreversible 
  • Deafness – permanent and irreversible 
  • Encephalitis resulting in permanent symptoms 
  • Loss of hands or feet - permanent physical severance 
  • Paralysis – total and irreversible 
  • Traumatic head injury resulting in permanent symptoms

Things to keep in mind

  • Our Children’s Cover is not a standalone policy; it is an optional extra that can be included with your Smart Family Life Insurance
  • The specified illnesses and injuries above cannot be covered if the condition was known to be present at birth  
  • Illness or injuries that happened before the start date or within the first 3 months of your policy won’t be covered – this includes instances where symptoms appeared before the start date  
  • If the insured child passes away due to non-accidental causes within 28 days of suffering one of the specified illnesses or injuries, we cannot pay the benefit amount 

For more information, please see our full Terms & Conditions

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For new Family Life Insurance policy holders only, once a minimum of 6 successful monthly premiums have been paid and the total premiums paid exceed the face value of the gift card. View full terms and conditions. Restrictions apply, see  


Where the child’s death occurs within 90 days of the accident.