Personal Accident Insurance

Helps cover life's risks along the way

In the UK, approximately 6,000 people die in accidents in the home* and 18.5 million turn up at accident and emergency departments seeking treatment every year**.

Serious injuries can mean a costly and lengthy recovery and additional medical expenses. And, if you were to pass away, your family may need funds to help with paying off loans, or to meet day to day living expenses.

You could be covered immediately remember, if you cancel, you won't get anything back.

*Source: Taken from the Royal Society for the Prevention of Accidents, August 2015

**Source: Taken from the Health and Social Care Information Centre, January 2015

Things to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount
  • Choose cover from £30,000 up to £500,000. Inflation may reduce the value of your benefit amount
  • Just £7.67 a month (that's 25p a day!) for £50,000 of benefit amount*
  • Guaranteed acceptance for anyone living in the UK aged 18-69
  • No questions about your health
  • Benefit amount is paid in the event of accidental death or serious injury as a result of an accident
  • Immediate cover
  • Optional Children’s cover
  • Choose between a Single or Joint Policy and you can each select individual benefit amounts
  • 10% Smart Cashback®: After the 12th successful monthly payment, we will give you back 10% of the premiums you have paid
  • Will Kit included with your Policy

*Based on an individual policy. Terms and Conditions apply.

Personal Accident Insurance is for UK residents aged 18 to 69 who are looking for a measure of financial protection in the event they suffer an accident that results in death, or an accidental serious injury. Personal Accident Insurance pays a lump sum benefit to your loved ones if you die as the result of an accident, or the benefit is paid to you if you suffer an accidental serious injury.

  • Choose a benefit from £30,000 up to £500,000
  • Optional Children's cover

Acceptance is guaranteed for all UK residents aged 18 to 69. Simply call us to find out more or to arrange cover.

Serious injuries can mean a costly and lengthy period of recovery and rehabilitation. If you were to pass away as the result of an accident, your family may need the funds to help pay off loans, credit cards or simply meet daily living costs. Smart Personal Accident Insurance pays your chosen benefit in the event of your accidental death, or if, as the result of an accident, you experience one of the following injuries: Blindness, Deafness or Total and Permanent Loss of Use of Two Limbs.

  • Call us FREE on 0800 877 8818 to get a quote

  • Or we can call you
  • Simple and quick to arrange
  • Guaranteed acceptance. No medicals or blood tests
  • We won’t ask you to fill out any forms

Guaranteed acceptance for UK residents aged 18 to 69. From £30,000 up to £500,000 benefit. Your premium will only increase if your benefit level increases. Choose from single or joint plan options, plus optional Children’s cover. Our easy and quick over the phone application process also includes a 30 day cooling off period.

Is the policy flexible?
The Smart Personal Accident Insurance policy is flexible, so you can apply to make changes at any time, provided the appropriate premium is paid. For example, if you want to include children in the future, you can add them, or perhaps you want to make an increase or decrease to your benefit amount – that’s fine too.

What are automatic benefit amount increases?
The policy features a 5% automatic annual increase to your chosen benefit amount for your Personal Accident Insurance and any optional cover you have. It is applied automatically to your policy on your policy anniversary each year for 10 consecutive years from the policy start date.
For example, a benefit amount of £100,000 will increase by 5% to £105,000 after the first policy anniversary and will reach £150,000 after 10 years, as shown in the chart below.

Personal Accident Insurance

The benefit amount increase is a great way of increasing your benefit amount over the years, for example, as your family grows. You will be sent a new schedule each year, which will show your new monthly premium recalculated based on the new benefit amount. At this point you have the flexibility of deciding to accept the increase, in which case you wouldn’t need to do anything, or you can let Smart Insurance know if you wish to opt-out of it. If you change your mind, you can still opt back in to the 5% benefit amount increases within the 10 years, whatever suits your needs best.

Smart Personal Accident Insurance helps provide your loved ones with financial protection should you have a serious accident. Cover is provided by one of Scotland’s longest standing Life Insurers, Scottish Friendly Assurance Society Limited. Acceptance is guaranteed, if you're a UK resident between the age of 18 and 69.

Cover can be secured over a free call to our 0800 877 8818 number without the need for filling out any forms or having a medical examination or blood test.

The Key Facts document contains important information about Smart Insurance Personal Accident Cover and its features, benefits, exclusions and limitations. You can download it here. It is important that you read the Key Facts Document, as it contains important information about the insurance. You should only apply for this policy if, having read the Key Facts Document, you believe that you are eligible to claim the benefits.

The insurance is subject to certain exclusions and limitations. These are also detailed in the Key Facts Document. You should ensure you understand these before taking out the insurance.

This document also contains a copy of the Smart Insurance Personal Accident Insurance Terms and Conditions. You should read these carefully, so that you can be sure the insurance is suitable for you.

You can apply for this policy if:

  • you are aged between 18 and 69; and,
  • you are a UK resident

Personal Accident Insurance can give you the peace of mind of knowing that you have a measure of financial protection if you were to die or suffer a serious injury in an unfortunate accident.

The policy can provide a lump sum payment to you or your family if you die or are seriously injured as the result of an accident. The money could be used to help you on the path to recovery from a serious accident, or to help secure your family’s financial security if you were no longer there to provide for them – the cash could be used to help cover expenses such as the mortgage, car repayments or day to day bills.

You can select a cover option that suits your needs and budget, from £30,000 up to £500,000 benefit which is paid as a lump sum in the event that you suffer a defined serious injury or death as a result of an accident.

You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.

If you are a UK resident aged 18 to 69 we guarantee to accept you for this insurance, with no health questions and no medical requirements. Once you have your policy in place it is guaranteed renewable until the Policy Anniversary after age 74.

No, and there are no intrusive questions about your health and lifestyle.

Accident means an event resulting in bodily injury occurring whilst this policy is in force, where the injury is directly and solely caused by accidental, violent and external means and where the injury is not self-inflicted.

Accidental death means death occurring as a direct result of an accident which took place while the life insured was covered under the policy and where death occurs within 90 days of the accident.

Serious Injury means Blindness, Deafness or Total and Permanent Loss of Two Limbs.

The policy features a 5% automatic annual increase to your chosen benefit amount for your Personal Accident Insurance and any optional cover you have. It is applied automatically to your policy on your policy anniversary each year for 10 consecutive years from the policy start date.

For example, a benefit amount of £100,000 will increase by 5% to £105,000 after the first policy anniversary and will reach £150,000 after 10 years.

The benefit amount increase is a great way of increasing your benefit amount over the years, for example, as your family grows. You will be sent a new schedule each year, which will show your new monthly premium recalculated based on the new benefit amount. At this point you have the flexibility of deciding to accept the increase, in which case you wouldn’t need to do anything, or you can let Smart Insurance know if you wish to opt-out of it. If you change your mind, you can still opt back in to the 5% benefit amount increases within the 10 years, whatever suits your needs best.

Provided you are an UK resident at the time of application, once your application is accepted you’re covered anywhere in the world 24/7.

Yes. With Personal Accident Insurance you can take out insurance solely on your own life (single plan), or you can choose to include your partner under your policy (joint plan).

When you apply with your partner you can each apply for individual benefit amounts.

Your Smart Personal Accident Insurance will expire after you reach age 74.

There are 3 ways for your family to make a claim:

  • Call us FREE on 0800 458 6901
    Monday - Friday from 9am to 7pm
  • Email us at service@smartinsurance.co.uk
  • Write to us at: Smart Insurance, Landmark Place, Windsor Road, Slough, Berkshire, SL1 1JL.


We will send out a claim form to be completed, signed and returned to us.

Note: If the claim is accepted, the insurer will pay the benefit amount to the person who is legally entitled to it and they will refund any premiums paid between the date of serious injury or death and the date the claim is paid.

As a Smart Insurance policy holder, after your 12th successful monthly payment, we'll give you back 10% of the premiums you've paid. The 10% Smart Cashback is paid to you within 14 days of us successfully receiving your 12th monthly premium. It's simply our way of saying thank you for choosing Smart Insurance.

Call FREE on 0800 877 8818

Or we can call you, if you complete the Call Me Now form. Our UK based customer service consultant will give you a quick, no-obligation quote and if you are happy, we will take your application further so you can be covered immediately. All you will need are your direct debit details.

  • No medical exam, no blood test
  • No complicated forms
  • Immediate peace of mind! You are covered as soon as your application is accepted over the phone

Things you need to consider

  • There is no cash-in value at any time
  • Inflation may reduce the value of your benefit amount