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Accident & Sickness Insurance

Built to look after you during a time of unexpected income change caused by injury or illness, so you can forget your worries and go back to being the very Best you possible.

It takes just 4 simple steps...

Choose your cover

Figure out which insurance would be the best for you and your personal needs

Personalise your quote

Use our online quote form and get instant quotes to compare your options

Submit application

Choose which policy you want and submit your application in less than 5 minutes

Sit back and relax

Once your policy has been activated, you’re protected! Now relax; you deserve it

... to secure your income.

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Sometimes it's easier to speak to a human. If you’d rather have a chat with one of our trained protection specialists, you can call us on 0330 330 9465. Our offices are open Monday to Friday, 9am to 5pm.

Enjoy priceless peace of mind while paying your essential monthly outgoings each month, even if you’re injured or ill. Best’s accident and sickness insurance policies are designed for just that, so that if you were in an accident or too sick to work, your monthly income would be secure. That means protecting your lifestyle in these situations and your security out of them.

To put it simply, accident & sickness insurance is a personal individual insurance policy linked specifically to you, your health, and your income. Like all insurance, it covers you against the unknown, which can honestly be the scariest thing the world has to offer. By providing you with a financial safety net just in case the worst happened and you fell ill or had an accident that kept you out of work, an accident & sickness insurance policy can make sure that both your lifestyle and mental wellbeing don’t suffer as a result of any of these possibilities.

This kind of insurance is only available to people who are working full time – whether that means they’re employed by someone else, or self-employed. If you’re working and earning a taxable income, then you can purchase accident & sickness income protection.

It’ll provide protection for injuries, illnesses, and accidents that haven’t already happened; otherwise known as ‘pre-existing medical conditions’. The amount you can cover is linked to the amount that you earn, and if you ever needed to claim, your insurer will pay you a percentage of that income for a period of time chosen by you.

The best time to think about buying yourself an accident & sickness income protection insurance policy is when you take on a new commitment or outgoing, for example a mortgage, renting a new property, starting a new job, getting married, or having children. But that’s not the only time to think about it! Honestly, there’s no bad time to take out a policy like this, just like there’s no bad time to go to a spa or take a refreshing nap; the kind of peace that an accident & sickness policy can give you is nothing short of the Best.

Why Accident & Sickness Insurance?

Have you ever broken a bone, torn a muscle, or suffered a minor – or even major! – injury because of an accident? Or have you ever fallen ill – with a serious condition or a minor problem – and ended up laid up in bed for a while?

Chances are, the answer to at least one of those questions is ‘yes’, because everyone gets sick or injured at some point in their lives. It’s an unfortunate fact of the world. When this happened to you, did it result in you having to take time off work? Or even losing out on your income?

If so, then an accident and sickness income protection policy could and would have helped you. An insurance policy for everyone that depends on a monthly or weekly income to survive (which is most of us!), this type of policy will pay you if you’re forced to take time away from work because of accident or sickness until the day that you can go back. It helps you pay your bills, put food on the table, and keep a roof over your head when the worst happens, which is really when we all need help the most.

And if you’re not getting help from this insurance, what are your other options? Borrowing money from friends or family? Take out a loan or credit card to tide you over? Rely on Statutory Sick Pay (SSP) to keep you going? Getting yourself into debt is never an option worth considering when it comes to these kinds of situations because it often makes things so much worse in the long run. And with SSP levelling out at just £109.40 a week (as of 2023), is it really a feasible option to keep you going? How long could you live on that; not even £450 a month?

That’s what our range of accident & sickness insurance policies are here for; to give you that much-needed breathing space to keep your life on track while you recover from an accident or sickness.

If you’re interested in protecting your peace of mind so that you can be the very Best you possible, get in touch with the team at Best Insurance today and we can talk to you about how accident & sickness insurance might be able to help you.

Why choose Best Insurance for your Accident & Sickness needs?

Here at Best Insurance, we really pride ourselves on doing the very Best for all our customers by taking care of all the hard work for you, so you can focus on the things that we all know matter most; your lifestyle, your loved ones, and your future. The relationships we’ve built up with insurers across the market over the years guarantee that we can offer you a huge range of policies to choose from, and our years of experience mean that we can give you some of the Best advice about what choices are most fitting for you, your needs, and your circumstances.

Whether you’re looking to buy a new policy, renew an existing one, or even make a claim on one, you can trust in Best Insurance to look out for your Best interests.


And if that’s not enough to convince you, we have…

  • Some of the best customer service in the UK, with a 4.8/5-star rating according to our reviews
  • Years of experience in the income protection insurance market under our belts, which means that not only do we know what we’re talking about, but also that we’ve built up…
  • Phenomenal relationships with all the best insurers across the market, so we can find the product that’s right for you
  • Experience in underwriting and how to engage with different medical conditions
  • Most competitive rates for income protection, designed to work for any budget – whether low or high