FREE £5,000
Accidental Death Cover
- Pays out £5,000 if you die as a result of an accident
- No hidden charges
- Annually renewable and always free
- Works alongside any insurance you already have
- No medical questions
To be eligible you must be a UK resident aged 18-69
See here for Terms & Conditions.
Please read our Privacy Policy to see how we use your data.
We are Working for Working Families
Here at UNISONProtect we aim to provide working people and their families with access to greater financial security through insurance policies that protect against the financial impact of major life traumas.
25 years
Protecting and rewarding union members.
£45 million
Paid in claims over the last 25 years.
2.5 million
Members have been covered by our FREE insurance.
Why get Accidental Death Cover?
- It is FREE and only takes a few minutes to register online.
- Peace of mind that your loved ones will have something if you die due to an accident.
- Guaranteed acceptance if you are a UK resident aged 18-69.
Frequently asked questions
Does this cover work alongside any other insurance?
Yes, this cover works alongside any insurance you already have.
How does the renewal process work, do I need to do anything?
You will receive an email with renewal instructions before your cover expires. Renewing your cover is free of charge.
Are there any hidden charges or extra costs?
This offer is entirely free. The cover lasts for one year but is annually renewable and always free.
Can my partner get covered?
Your partner or family members can also apply for this free offer. All you need to do is share a link to this offer and ask them to complete the registration form.
UNISON is an Introducer Appointed Representative of UNISONProtect a trading name of Union Income Benefit Holdings Ltd, which is authorised and regulated by the Financial Conduct Authority to distribute non-investment insurance products, register number 307575. This can be checked on the FCA website: www.fca.org.uk. This policy is underwritten by Stonebridge International Insurance Ltd.
Registered in England No.03877610 Registered Office: 14th Floor, 33 Cavendish Square, London W1G 0PW.
Final Step
Read this information carefully, and get in touch if there’s anything you’re not sure about.
Cover Information
The FREE £5,000 Accidental Death Cover is designed to meet the needs of an individual who would benefit from a cash pay-out to their next of kin in the event of their death due to an accident. This product has been offered to you on the basis that you may have a need for this type of insurance. We are not providing a personal recommendation or financial advice on its suitability for you.
Please read the policy documents below carefully for full details of the FREE £5,000 Accidental Death Cover.
If you would like to receive your policy documents via post please contact us on customerservices@UNISONprotect.com.
This policy is underwritten by Stonebridge International Insurance Ltd. Cover is only available to residents of England, Scotland, Northern Ireland and Wales.
Data Protection – How we’ll use your data
For your peace of mind the personal information you provide to UNISONProtect will always be stored securely. It will be used by us and the insurer Stonebridge International Insurance Ltd for analysis and to administer your insurance. We will also share it with UNISON so that they have up to date contact details for you. You can find full details on how we use your information in our privacy policy. By clicking ‘Continue’ you are agreeing to us using your information in this way. We will not use or share your information with any third parties for marketing purposes unless you consent for us to do so.
We couldn’t set up your
FREE £5,000 Accidental Death Cover
We encountered a temporary issue while setting up your policy, but your information is safe. We’ve saved your application as a draft so you can pick up right where you left off.
Try finalising your FREE £5,000 Accidental Death Cover again in a short while.
If the problem persists, please contact our customer support on customerservices@UNISONprotect.com or 0343 178 1231
We couldn’t set up your
FREE £5,000 Accidental Death Cover
It looks like we’ve come across a few mistakes or omissions that need to be fixed before we can set up your FREE £5,000 Accidental Death Cover.
Please check the above messages and click the button below to amend your details.
If the problem persists, please contact our customer support on customerservices@UNISONprotect.com or 0343 178 1231
Is £5,000
enough to protect your future?
See How Much You Could Claim With Our Calculator
Accident Protection Plan
Peace of mind when accidents happen
Single
Joint – 10% off
Accidental Death: £
Hospital Cover: £/day
Cover for just: £
Frequently Asked Questions
Can anyone get covered?
You can be covered provided you are aged 18-69 and a UK resident (living at least 7 out of 12 months in the United Kingdom). This includes those currently employed as an offshore worker, seafarer or mariner, whose permanent residence remains in the UK.
There are no medical questions to answer – acceptance is guaranteed – and you are covered as long as you pay your monthly premium up until you reach the age of 70.
What does ‘guaranteed acceptance’ mean?
It means that as long as you meet the eligibility criteria – aged between 18 and 69 at the start date and are a UK resident – you will be accepted for cover.
Can my partner get covered?
Yes. If you wish to cover your partner, you need to select the ‘Joint’ option on the Instant Quote form above.
Your partner can be covered on your policy provided they are also aged 18-69 and a UK resident. ‘Partner’ means the person who you are married to, or the person with whom you have a civil partnership, or the person you have lived with as a couple, at the same address, for 3 months prior to the date you make a claim.
How many times can I claim on the hospitalisation benefit?
You can claim as many times as you need up to a maximum of 180 days. The hospitalisation must be the result of an accident causing injury to someone covered under the policy.
What happens if I take out cover and then change my mind?
You can cancel the policy within 30 days of the start date and we will refund any premium paid if no claim has been made. Following this, you may cancel the policy at any time but no refund of premium will be paid. You can cancel by writing, emailing or calling a member of our Customer Services team:
Union Insurance Services,
5th Floor, Fleet Street
154-160 Fleet Street, Blackfriars
London,
EC4A 2DQ
customerservices@unisonprotect.com
0343 178 1231
Your Cover
includes the following
Please review what is covered and what is not covered.
This cover meets the demands and needs of individuals who wish to have financial protection in place should they die or require a hospital stay as the result of an accident
What’s covered
- £150,000 cash payout if you die as the result of an accident
- £300 per day if you’re hospitalised for more than 24 hours due to an accident (up to 180 days total)
- Cover increases by 5% each year, up to £200,000 and £400/day
- You’re covered worldwide, 24/7, in and out of work
- Guaranteed acceptance for UK residents aged 18–69
What’s not covered
- Death or hospitalisation from natural causes, illness, or suicide
- Injuries caused by alcohol, illegal drugs, or reckless acts
- Accidents while taking part in illegal activities or armed forces duties
- Injuries from flying (except on commercial airlines)
- Participation in dangerous activities like diving, mountaineering, or motorcycling
- Death must occur within 12 months of the accident, and injury within 90 days
To view the full list of exclusions, please refer to the Policy Wording and Insurance Product Information Document.
Declaration
Read this information carefully, and get in touch if there’s anything you’re not sure about.
Please confirm you have read, understood and agree with the following statements:
- I am permanently resident in England, Scotland, Wales or Northern Ireland.
- I will be covered for accidental death only and not for death which is caused by sickness, disease or any natural cause.
- I will be covered if I am admitted to hospital as an inpatient for more than 24 hours, as the result of an accident (but not as the result of sickness or any natural cause).
- Each year the benefits and premiums under my cover will be increased by 5% until the maximum benefits are reached – £200,000 for the Accidental Death benefit and £400 per night for the Accident Hospitalisation benefit.
- I am happy to proceed based on the information that has been provided to me on the website. In particular, the Policy Docs section containing the Policy Wording and Insurance Product Information Document .
- I confirm that I have a need for financial protection in the event of my death or hospitalisation, as the result of an accident and the benefit level provided in this quote meets my needs for this type of cover.
- I understand that I have not received any advice or personal recommendation about the suitability of this Accident Protection Plan.
- If any of the above information is incorrect it could affect your ability to claim on your policy. Please refer to the full Policy Wording if you are unclear on any of your answers. You can also contact our customer service helpline on 0343 178 1231 for further information.
We arrange the policy with the insurer on your behalf and receive commission, which is a percentage of the total premium you pay. You do not pay us any fee for doing this.
This cover is arranged by Union Income Benefit Holdings Ltd and underwritten by Stonebridge International Insurance Ltd.
The Policy Wording and Insurance Product Information Document contain important information about the terms of your insurance, including what is and is not covered under the policy and your rights of cancellation. You should read these documents carefully before deciding to buy this insurance policy to ensure that it is suitable for you.
Finally
add your payment details
You’re just a few clicks away from your £150,000 Accident Protection Plan with Hospital Cover at £300/day — all for £15.62 a month.
Instruction to your Bank or Building Society to pay by Direct Debit
Service User Number: 388460
Union Insurance Services,
5th Floor, Fleet Street
154-160 Fleet Street, Blackfriars
London,
EC4A 2DQ
Instruction to your Bank or Building Society:
Please pay Union Income Benefit Holdings Ltd. Direct Debits from the account detailed in this instruction subject to the safeguards assured by The Direct Debit Guarantee. I understand that this Instruction may remain with Union Income Benefit Holdings Ltd. and, if so, details may be passed electronically to my Bank/Building Society. Banks & Building Societies may not accept Direct Debit Instructions for some types of account.
If there are any changes to the date, amount or frequency to be collected we will always give you at least five working days' notice before the collection date.
By clicking the pay now button I confirm that I have read the Policy Wording to ensure that I understand what is covered and what is not covered by the Policy. I also agree to my monthly premium being collected by Direct Debit from the above account and I am confirming that I am the account holder and I am the only person required to authorise a Direct Debit on the account.
Your monthly premium includes Insurance Premium Tax at the current rate. You decide how long to keep your cover. As an indication of cost: Total cost of policy if held for 1 year - £59.88 and for 3 years - £179.64.
We couldn’t set up your
Accident Protection Plan
We encountered a temporary issue while setting up your policy, but your information is safe. We’ve saved your application as a draft so you can pick up right where you left off.
Try finalising your Accident Protection Plan Cover again in a short while.
If the problem persists, please contact our customer support on customerservices@UNISONprotect.com or 0343 178 1231
We couldn’t set up your
Accident Protection Plan
It looks like we've come across a few mistakes or omissions that need to be fixed before we can set up your Accidental Protection Plan.
Please check the above messages and click the button below to amend your details.
If the problem persists, please contact our customer support on customerservices@UNISONprotect.com or 0343 178 1231
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