Provide your client with peace of mind that should they sustain one of the specified injuries, they’ll be covered – for an extra £5.90 a month.

Fracture cover is there when your client has an unexpected injury, like a slip on the stairs, car crash or a fall outdoors. It’s there to help with the extra costs an injury can cause, such as childcare, travel costs or equipment for mobility.


Available as an optional add on for

  • Life insurance
  • Critical illness cover
  • Income protection
  • Rental protection

Key details



Available on our core products

Add Fracture Cover to your client’s life insurance, critical illness cover, income protection and rental protection.

Comprehensive cover

Depending on the injury, your client will receive a pay out of £2,000, £4,000, £6,000 or £7,500.

Protects against the cost of injury

Covers 20 types of fractures, 9 types of joint dislocation, Achilles tendon ruptures and knee ligament tears. Please see the Policy Booklet for full details.

Low-cost added value

Available for just an additional £5.90 a month on your client’s policy. Annually renewable.

Multiple claims per year

Pays your client a lump sum if they have a specified injury, including accidents where multiple injuries are sustained at one time or in a 12-month period.

Exclusive to advisers

Only available to those who buy their protection policy through an intermediary.

More Umbrella Benefits

Wellbeing Support

Access included as standard on protection policies. Personalised practical and emotional telephone support from a registered nurse.



Rehabilitation Support Service

Included as standard with income protection. Supports a quicker return to work, and good physical and mental health.


Private Diagnostics

Access some of the UK’s top consultants and non-invasive diagnostic testing for cardiology, oncology or neurosurgery referrals. Available for an additional £4.50 a month on life insurance, critical illness cover, income protection and rental protection.

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Key details

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