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Child protection that looks after your family when your child is hurt or ill
Child accident and illness cover pays you, the parent, a tax-free cash sum if your child breaks a bone, is admitted to hospital or is diagnosed with a covered serious condition. One affordable policy covers all your children, with no medical questions. As an independent FCA-regulated intermediary we arrange this cover with a chosen insurer, and our advice is fee-free.
from £6/mo
One policy covers all your children
When a child has an accident or falls seriously ill, the last thing you want to worry about is money. Yet a broken arm, a hospital stay or a worrying diagnosis can mean time off work, travel and parking to be near your child, childcare for siblings or extra help at home. Child accident and illness protection is a simple, low-cost policy that pays you a tax-free lump sum when these things happen, so you can focus on your child instead of your finances. It protects your children and pays you, the parent. We are not the insurer. As an independent, FCA-regulated intermediary we advise on and arrange this cover with a chosen insurer, and our advice is fee-free because we are paid by the insurer, not by you.
What it covers
This is cash-benefit cover. The amounts below are the maximum payable at the level of cover you choose, and some benefits apply only after a waiting period. Here is what it can do for your family.
Cash if your child breaks a bone
A set cash sum is paid if your child breaks a bone, with a higher amount for a major bone than a minor one. Broken bones caused by an accident are covered from day one. Multiple breaks to the same bone from one accident count as a single claim.
Hospital cash for every day as an in-patient
If your child is admitted to hospital as an in-patient, you receive a daily cash amount, with a higher rate for each day spent in intensive care. The daily benefit applies from a minimum of one day up to a maximum of 90 days per cause, per child.
A lump sum if your child is seriously ill
A larger one-off cash sum is paid if your child is diagnosed with any one of seven specified serious conditions: bacterial meningitis, cancer, a benign brain tumour, paralysis or loss of a limb, Type 1 diabetes, rheumatic fever or severe burns.
One policy covers all your children
A single policy and a single premium cover all your eligible children. There is no limit on the number of children covered and no limit on the number of claims you can make, so growing families are protected without paying more per child.
No medical questions
There is no medical underwriting and no health questions to answer. The price depends only on the level of cover you choose, not on your child's age, health or the number of children you have, and cover is usually active straight away.
It pays you, so you can be there
Any valid claim is paid directly to you as the policyholder, free of UK income tax. That cash can replace lost earnings if you take time off work, or cover travel, accommodation, childcare and help at home while you care for your child.
How it works
Choose your level of cover
You pick Standard or Plus cover. Plus pays roughly double the Standard amounts for less than double the price. There are no medical questions and cover is usually active immediately.
Something happens to your child
Your child breaks a bone, is admitted to hospital as an in-patient, or is diagnosed with one of the covered serious conditions. Accident-related broken bones and hospital stays are covered from day one, while illness-related and serious-condition benefits apply only after a waiting period.
You make a claim
You contact the insurer and provide the supporting medical evidence they ask for. There is no limit on the number of claims you can make under the policy.
A tax-free lump sum is paid to you
Once the claim is agreed, the cash benefit is paid directly to you, the policyholder, into a UK bank account. Valid claims are typically paid within five working days, free of UK income tax.
Cover levels and cash benefits
| Insured event | Standard | Plus |
|---|---|---|
| Broken minor bone | £100 | £200 |
| Broken major bone | £300 | £600 |
| Hospital stay (per day, in-patient) | £50/day | £100/day |
| Intensive care (per day) | £150/day | £300/day |
| Serious illness diagnosis | £5,000 | £10,000 |
Amounts shown are the maximum payable at each level of cover and may be subject to waiting periods and exclusions.
Monthly cost
| Cover level | Monthly | Over 5 years |
|---|---|---|
| Standard | £6 | £360 |
| Plus | £11 | £660 |
Premiums as at June 2026, subject to change.
One policy for all your children
A single policy and a single premium cover all your eligible children, from birth (or adoption) right up to their 23rd birthday. There is no limit on the number of children covered and no limit on the number of claims you can make, so the cover grows with your family.
Schools usually do not insure your child against accidents
In most cases, schools in the UK do not provide personal accident insurance covering pupils for injuries at school or on school trips. Any cover a school holds is usually limited, for example to negligence claims, so most everyday childhood accidents are not covered by the school. We recommend you check the cover your own school offers, and consider whether your own child protection would give you peace of mind.
Why arrange your cover with us
Extra family services included
Alongside the insurance, your family can use these support services at no extra cost. They are there to help with everyday health and wellbeing, not just at claim time.
24/7 virtual GP
Speak to a GP by phone or video at any time of the day or night, including weekends, for advice about your child's health without waiting for an appointment.
Wellbeing support line
A confidential support line staffed by counsellors and nurses, available around the clock, to help your family with emotional, practical and health-related worries.
These value-added services are not part of the insurance contract and can be changed or withdrawn at any time.
Protection that pays out
Insurers pay the overwhelming majority of protection claims. The most common reason a claim is declined is information left off the application, which is exactly what good advice helps you avoid.
Source: Association of British Insurers (ABI) protection claims data. Figures are illustrative industry averages and vary by insurer and year.
Insurers we compare
Whole of market, independent advice
We are not tied to any single insurer. We compare cover and price across the UK's leading protection providers to find the right fit for you and your family.
Authorised and regulated by the Financial Conduct Authority
Dariusz Karpowicz
Chief Executive Officer, Cert CII (MP)
Ilona Karpowicz
Protection Adviser
Speak to a real adviser, not a call centre
Your protection advice is handled personally by our advisers, with no pressure and no jargon. We explain your options in plain English, arrange the right cover and stay with you at claim time.
Authorised and regulated by the Financial Conduct Authority. FRN 769375.
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Albion Financial Advice is an independent intermediary, authorised and regulated by the Financial Conduct Authority (FCA). We advise on and arrange child protection cover with a chosen insurer. We are not the insurer.
The benefit amounts shown are the maximum payable at the chosen level of cover and may be subject to limits, waiting periods and exclusions set out in the policy. Some benefits, such as hospital stays due to illness, are only covered after a waiting period.
Premiums are shown as at June 2026 and may change. The final cost and level of cover depend on the level chosen and the insurer's terms.
Information about schools not insuring pupils against accidents is general in nature. We recommend you check the cover offered by your child's school. This is a marketing summary and not the full terms of the insurance, which we will provide before you take out the policy.