This website uses cookies. By using this website you accept our cookie policy.
Click here to close this message.

Personal Accident & Sickness

24x7 Personal Accident insurance designed to cover you for injuries whenever they are sustained.

4.8/5 rating - read our reviews
Personal Accident insurance, with optional Sickness cover
Provided by Aviva – one the countries biggest insurers

Product Features

Cover for upto £10mA policy designed to cover you for injuries sustained whether or not they occur while at work

Including 100 Days temp coverSickness cover available for up to 52 weeks, subject to a 14 day excess

Personal Accident cover up to £500 per dayPersonal Accident benefits payable for up to 52 weeks., subject to a 14 day excess

Personal Accident cover up to £500 per dayCover available up to and including age 75 (personal accident) and up to 55 (sickness)

Why Choose Us?

Leading construction insurersA policy designed with the needs of a tradesman in mind

Competitive coverComplements our Essentials and Classic policies, which don’t include a weekly Personal Accident benefit

support from our experienced UK staffProvided by a broker who has been insuring tradespeople for over 30 years

support from our experienced UK staffUK based call centre, and UK based claims line

feefo stars
Provided by
feefo logo
Lump Sum
*Temporary Total Disablement (Accident)
Sickness Cover?
Cost Per Year
Cost Per Month


£200 pw




£300 pw




£400 pw




£500 pw



Figures are inclusive of Insurance Premium Tax. The cost per month (direct debit) includes 9% credit charge (£20 minimum). Trade Direct Insurance is a credit broker, not a lender.

*The amount payable for Temporary Total Disablement is 65% of your weekly earnings., and for Temporary Partial Disablement is 32.5% of your verifiable normal weekly wage.

e.g. If you select £200 per week of cover, your verifiable weekly wage will need to be £308, in order to be eligible for the £200 weekly sum.

An income if you can’t work

As a self-employed tradesperson, you’ll know more than most that when you’re not working, you’re not earning, but the bills don’t stop coming in. Taking time off is OK when it’s your choice, but what happens if you’re injured, or fall sick, and you can’t work as a result?

24/7 cover

Some Personal Accident and Personal Accident & Sickness policies are designed to pay you an income if you’re injured while at work – but not the rest of the time. This is fine, and it helps keep the cost of the cover down.

But what if you’re injured while playing footy at the weekend, and can’t work as a result? That’s where the benefit of a policy designed to cover you for injuries sustained both at work as well as outside of work, or sickness comes in. Sure, it costs more than a more basic policy, but it’s designed to offer more comprehensive cover in return.

Personal Accident

Individuals have different needs, so the policy we sell takes this into account. You can insure against Personal Accident, with a range of weekly benefits from £200 per week, up to £500 per week - to suit your level of earning. This is subject to a 14 day excess.

To find Personal Accident and Sickness insurance designed to fit your business, click Get a Quote. You can also talk one of our friendly team today on 08000 280 380 and find out how we can help you, or request a callback. Opening times are 08:00 to 20:00 Monday-Thursday, 08:00 to 18:30 Friday.

Policy Documents

Aviva logo

An Aviva policy, so you can be sure your policy is backed by a household name in insurance.


Need Public Liability Insurance? We can offer up to £5m cover as well as an optional 24 hours tool cover. Find out more.

30 years

Over 30 years insuring tradespeople, we’ve learnt a lot about their insurance needs.

More reasons to choose Trade Direct Insurance…

More than 40,000 customers protect their business with us
Over 30 years experience insuring trades
An Aviva policy for peace of mind
A policy designed to complement our Tradesman policy
UK based call centre, who know tradespeople
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2016

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards 2016.

On The Tools is the largest online construction community in the UK, and we couldn’t be prouder to support and provide cover for their community of tradespeople.