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"Insurance At Trade Prices"
Over 40,000 customers have chosen Trade Direct
Over 30 years trading
Expert UK telephone support available
Quote and cover in less than 5 minutes

Personal Accident & Sickness

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

4.9/5 rating - read our reviews
Personal Accident insurance, with optional Sickness cover
Provided by major 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 – excluding pre-existing conditions.

Personal Accident cover up to £500 per dayBenefits payable weekly – subject to a qualifying period.

Personal Accident cover up to £500 per dayProtect your income against unforeseen illness and accident.

Why Choose Us?

Leading construction insurersCover designed with the needs of tradespeople 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

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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 - to suit.

To find Personal Accident and Sickness insurance designed to fit your business, talk to 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.

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Complete confidence with policies backed by major insurers.


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
Backed by major insurers
Policies that complement our Tradesman policy
UK based call centre, who know tradespeople
A range of payment options. Trade Direct is a credit broker and not a lender

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

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