Personal Accident Insurance

Cover designed with the armed forces in mind, all ranks and trades and on all deployments.

  • Optional cover available for your family
  • No additional charges for hazardous occupations (EOD, Special Forces)
  • Three cover options with increasing levels of benefit

Enter your details here and one of the team will call you back:

Get a quote

Call the team to get a policy set up today:

01242 533 747
01242 533 747

We’re here for you +44 outside UK. Weekdays 9am - 5pm
Can’t get through right now? Request a callback

Injuries can be a drain on your finances, keep you and your family protected:

Covering a variety of scenarios

Cover applies whether on deployment, in training or off duty. This personal accident insurance can protect you and your family from the financial impact injuries can have. Please be aware, you won't be covered if you participate in professional sport.

War risks and terrorism

While on duty, war risks are covered except if they occur between major powers such as China, the USA and Russia. Claims that occur due to terrorism are also covered provided it is not a nuclear, biological or chemical attack.

Hazardous Occupations

There are no additional charges for hazardous occupations such as EOD or Special Forces but we do not cover criminal acts by the insured person. For flexibility, you can set up a policy with us even if you are under orders to deploy.

Three policies to choose from

We have three policies to choose from, each with varying limits of cover depending on the injury. You can compare the three options below. Just note - self-injuries and injuries sustained while under the influence of drugs or alcohol are not insured.

Not sure which policy you need? We like to keep things simple, the table below shows the options available at each level:

  Level 1 Level 2 Level 3
Accidental Death £10 000 £20 000 £40 000
Permanent total disablement from any and every occupation £20 000 £40 000 £80 000
Permanent total disablement from usual occupation (HM forces personnel only) £10 000 £20 000 £40 000
Loss of both limbs £20 000 £40 000 £80 000
Loss of both eyes £20 000 £40 000 £80 000
Loss of one limb or eye £12 500 £25 000 £50 000
Loss of speech £12 500 £25 000 £50 000
Loss of hearing in both ears £15 000 £30 000 £60 000
Loss of hearing in one ear £7 500 £15 000 £30 000
Burns £6 000 £12 000 £24 000
Fracture benefit £250 £500 £1 000
Hospital cash (per day) - up to a maximum of 365 days in total £15 per day £30 per day £60 per day
Convalescence (per week) - up to a maximum of 52 weeks in total £40 per week £80 per week £160 per week
Shrapnel benefit £300 £600 £1 200
Optional term Life £10 000 £20 000 £40 000

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Personal Accident Insurance Claims

In the event you need to claim, you'll need to speak with the insurer. Davies Group back the policy and have a dedicated claims team for Towergate customers.

Need to make a claim?

Simply contact the team on the number below and talk through the details of your claim. You'll be advised of the next steps to take.

01782 339 124

Lines are open 9am-5pm, Mon-Fri

Personal Accident Insurance Articles & Guides

Read more about Towergate and the military:

Charles At Boxing

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Team Army Boxing

Boxing is perhaps one of the most challenging sports of all. A boxer requires a unique blend of speed, strength, and endurance. In addition to these qualities, he must stand up to the punishment inflicted by an equally matched opponent. To withstand the inevitable pain and fatigue, the boxer must possess a mind that is as tough as his body.

Magnum Circus Shop Front2

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The Art in War - Tattoos in the Military

Tattoos have been common place in the army for a few decades now and they have varied from designs relating to specific campaigns and regiments, to images relating to individual’s religious beliefs and experiences.

Personal Accident Insurance FAQs

Do you cover war and terrorism risks?

Yes, war and terrorism cover is automatic for all serving policy holders although, war between the Major Powers (such as China, USA and Russia) and terrorist CBRN attacks are excluded from the policy.

Can I take the policy out and cancel it when I return from a deployment?

Yes, we do not charge cancellation fees on the policy but, due to the nature of service life would advise you to maintain a personal accident policy for the duration of your service.

Can I pay premiums by Direct Debit?

Yes, we can arrange this with you over the phone, there are no forms to complete.

I'm serving with UK Special Forces. Can you cover me?

Yes, we do not discriminate, all types of military armed forces roles can be covered.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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