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As a self employed contractor, freelancer or sole trader, unforeseen accidents can cause an immediate impact on your income as you become unable to provide your services. Personal Accident Insurance provides you with a lump sum benefit should you suffer an accident that results in an insured injury, ensuring your income is protected during difficult times.
Looking for a monthly sickness cover? See Contractor Sickness Cover (currently available for limited company contractors only).
Personal Accident Insurance provides a lump sum in the event of suffering bodily injury as a result of an accident, ensuring you can continue to pay your bills whilst you may not be able to provide your services.
The cover provided ranges from £50 per day hospital benefit, to £50,000 in the event an Insured Person suffers permanent brain damage.
Please see the table of benefits provided below for full details of cover. Benefits are paid in full should a valid claim be received.
Should one incident cause multiple injuries, or should multiple claims be made during the policy period total value of all claims paid under the policy is £50,000.
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(inc. Insurance Premium Tax as applicable)
**(+ VAT @ 20% on checkout)
One-off £23.00 charge applied for monthly payment
Please note: Review products are not included in the monthly premium
Qdos Contractor are one of the leading providers of specialist self employed insurance services in the UK. Our online application process takes only a matter of minutes with all documentation issued instantly. Unlike many other brokers, we don’t hide our premiums until you've provided your details, as we are confident that our premiums, service and product are the best in the market. In addition, Qdos Contractor is a leader in handling tax compliance and status issues specific for the self employed and have handled well over 1,500 IR35 enquiries on behalf of UK contractors.
Starting out as a tax consultancy business in 1988, Qdos has grown in both size and reputation to become the UK's leading experts in contractor insurance and IR35 status, winning a number of accolades including the coveted Queen's Award for Innovation 2017 and Best Contractor Insurance Provider or Broker 2020. We utilise our 30+ years' experience to provide self employed professionals with the insurance protection and tax support they need to thrive in today's market.
Qdos Personal Accident Insurance provides up to £50 per day hospital benefit, and a lump sum payment up to £50,000, in the event of bodily injury as a result of an accident. The amount paid differs based on the injury suffered: please see table of benefits provided.
The accident does not need to have occurred during the provision of services.
Please note this policy does not provide cover in the event of:
- the Insured Person’s suicide or attempted suicide or intentional self-injury or the Insured Person being in a state of insanity;
- the Insured Person's own criminal act;
- the Insured Person being under the influence of alcohol or drugs.
- an Accident occurring outside the United Kingdom, European Economic Area, United States of America, Canada, Australia or New Zealand
- the Insured Person’s participation in any Hazardous Pursuit (as defined in the policy wording) such as extreme sports or activities in open seas
- any condition for which the Insured Person has sought advice, diagnosis, treatment or counselling or of which the Insured Person was or should reasonably have been aware at inception of this insurance contract or for which the Insured Person has been treated at any time prior to inception of this insurance contract.
Personal Accident Insurance provides a lump sum benefit in the event of bodily injury caused by an accident, as set out in the table of benefits provided. The Qdos policy is available to any self-employed individual including limited company contractors, sole traders, and freelancers.
Contractor Sickness Cover however provides a monthly sum in the event of long-term disablement, whether from accident, sickness, or bodily injury. Contractor Sickness Cover is currently only available to limited company contractors, and also includes a lump sum in the event of accidental death. Click here for more information on this policy.
Income Protection Insurance is a term used to describe a type of insurance cover which provides financial benefit in the event of a number of circumstances which may cause you unable to provide your services, such as unemployment, jury service (See Jury Service & Legal Protection), and illness.
Qdos Personal Accident Insurance is a type of income protection cover for the self-employed, which provides a lump sum financial benefit in the event of an accident, helping you to keep your business afloat whilst you may not be able to work.
Qdos Personal Accident cover ensures that as a self-employed professional, you are able to protect your income should an unfortunate accident occur. Qdos have been protecting self employed professionals for over 30 years: