Personal accident insurance

Financial protection for when accidents happen

Let us help out with the finances if you’re involved in an accident.

No one plans for accidents to happen – they just do. But you might not have thought about how an accident can affect your finances. That’s where we’ve got you covered.

Our personal accident insurance gives you a cash lump sum of up to £500,000*. If you need to take time off work to recover or have physio to get you back on your feet, our policy can help you out with the cost. Leaving you to focus on getting better.

And we’ve got you covered all day, every day – no matter where you are in the world, or what you’re up to. A policy with us starts from just £3.96 per month** and payment is taken via monthly direct debit.

You can relax and get on with life, knowing that you’ve got a financial back-up plan, just in case.

Choose the cover that’s right for you with three levels of individual and family policies.

Our personal accident insurance policy covers a range of injuries – from broken arms and legs, to overnight stays in hospital, permanent disabilities, and much more. You just need to be aged 16 or over when you apply, and be a resident of the UK.

Want to know more? Click here to see more product information.

*Based on Gold cover, Quadriplegia benefit.
**Based on Bronze Individual cover. Insurance Premium Tax is included.


This plan doesn’t cover injury arising from certain circumstances such as:

  • War/civil commotion/terrorism
  • Self-inflicted injury/suicide/attempted suicide/misuse of drugs
  • Aerial flight other than as a passenger
  • Sickness or disease not resulting from an injury
  • Wilful exposure to danger

No advice has been given by BHSF in relation to the sale of this product. For full terms, conditions and exclusions of the policy, please see the policy details. All benefits payable are subject to BHSF policy terms – you can request a copy of these via email: [email protected] or telephone: 0121 454 3601.

Apply online

Make a decision today that in future, you’ll thank. It’s quick and easy to apply online for our personal accident insurance. Just click on the button below and you’ll be taken through to our online application form. 

Don’t want to apply online? No problem! Give us a call on 0121 454 3601 and we’ll be happy to help. 

Apply online

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Personal accident insurance premiums and benefits

Individual cover provides insurance for you. If you are a single parent your children will also be covered. Family cover provides insurance for you and your spouse/civil partner/permanent partner and children. All children are covered up to their 18th birthday, or their 23rd birthday if they remain in full-time education. All insured persons must permanently reside with the policyholder.

Premiums are payable by convenient monthly direct debit.

Personal accident insurance premiums and benefits

To see our benefits table, click here.