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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Protection · Family and home
Fracture Cover
“Broken bone. Don’t let it break your finances.”
Fracture cover pays you a cash lump sum if you break a bone, with no questions about lost earnings and no waiting to prove you can’t work. It’s fast, simple and affordable.
FCA regulated · leading UK insurers · 5 star reviews
Quick answer
Fracture cover pays a fixed cash sum if you break a bone, with the amount depending on which bone and how serious the fracture is. It pays once the fracture is confirmed, regardless of whether you can work. The main thing to know is that it’s a simple top up, not a replacement for income protection.
What it pays
A fixed sum per fracture
When it pays
Once the fracture is confirmed
Medical needed
Usually not
Main thing to watch
Excluded activities
How fracture cover works
Each bone has a set payout. A broken hip or thigh pays much more than a finger.
You claim once a medical professional confirms the fracture, and the payment goes directly to you.
Cover usually applies at home and abroad, and most policies don’t require a medical to start.
Who finds it most useful
People with active jobs or hobbies, and self employed people who’d lose income immediately if an accident stopped them working.
It can also be added to some income protection or life policies as an extra.
Eligibility and what insurers assess
Who may qualify
Most UK residents within the insurer’s age limits.
Health
Pre existing bone conditions are usually excluded.
Activities
Some hazardous sports may be excluded.
Occupation
Usually not a barrier.
Medical
No medical required in most cases.
Common exclusions
Stress fractures and conditions like osteoporosis.
What happens from first call to completion
1
Understand what you need to protect
We look at your mortgage, income, family and existing cover, including anything through work.
2
Work out the right amount and term
We size the cover to your debts and plans, so you’re not over or under insured.
3
Compare insurers on cover, not just price
Definitions and exclusions vary. We compare the policy wording as well as the premium.
4
Complete the application accurately
We help you answer the health and lifestyle questions fully, because that’s what makes a claim pay.
5
Handle underwriting
If the insurer needs GP reports or more information, we chase it and keep you updated.
6
Put cover in place and in trust
Once accepted we set the start date and, where it applies, help you write the policy in trust.
Costs, risks and when it may not be suitable
Being upfront about this is part of doing it properly.
What affects the cost
- Your age and health when you apply
- Smoking and lifestyle
- The amount and length of cover
- Guaranteed or reviewable premiums
- Optional extras such as indexation or waiver of premium
Risks to weigh up
- Payouts are fixed, not linked to lost earnings
- Some activities and bone conditions are excluded
- Insurers can refuse a claim if information given at application was inaccurate or incomplete
When it may not be suitable
- If you need to replace your income for months, income protection is the better foundation
What you will need
The exact list depends on the insurer, but this is what to start gathering.
Photo ID and proof of address
Personal details
Details of any bone conditions
Hobbies and activities
How MBNM helps
- Work out how much cover you actually need and for how long
- Compare leading UK insurers on definitions, not just price
- Help you disclose your health and lifestyle properly so claims pay
- Explain premiums, trade offs and exclusions in plain English
- Handle underwriting and chase medical evidence
- Set up trusts where they apply and review cover when life changes
What it costs
Your first chat is free. If we can help, we will explain any fees before you decide whether to proceed. There are no hidden fees, and we will not move forward until you have agreed them.
Fracture Cover FAQs
How does the payout work?
Does it replace income protection?
Do I need a medical?
Does it cover sports injuries?
Does it cover my children?
Can I claim more than once?
Active job or lifestyle?
We’ll show you what fracture cover pays and how it fits with the rest of your protection.
Your first conversation is free and there's no obligation. If we can help, we'll explain any fees before you decide whether to go ahead.
Cover is subject to the insurer's terms, underwriting and exclusions.