Near you, no matter where you are.
Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Health
"Broken bone. Don't let it break your finances."
Fracture cover pays you a cash lump sum if you break a bone — no questions about lost earnings, no waiting to prove you can't work. It's fast, simple, and surprisingly affordable.
What is fracture cover?
Fracture cover pays a fixed cash amount depending on which bone you break. More serious fractures — such as a femur or pelvis — pay out more than minor ones. The money is yours to use however you need it: covering time off work, paying for help around the house, or managing day-to-day costs while you recover.
It's not designed to replace income protection, but it works well alongside it — or as a standalone policy for those who want simple, no-fuss cover.
Cover typically applies to accidents both at home and abroad, and most policies don't require a medical.
Who needs this?
- You have a physically active lifestyle or job
- You're self-employed and need quick cash if an accident puts you out of action
- You want an affordable complement to your existing cover
- You want simple cover that pays out quickly without complex claims processes
What's covered
The detail that matters
Covered
All major bone fractures — payout level varies by bone
Accidents at home and abroad
No deferred period — claim as soon as the fracture is confirmed
No medical required in most cases
Not covered
Stress fractures in some policies
Fractures from pre-existing bone conditions
Fractures sustained while taking part in excluded activities
Common questions
Things people ask us
How does the payout work?
Does it replace income protection?
Do I need a medical to take out fracture cover?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Products that work well alongside this
No items found.