Personal Accident and Short Term Income Protection Insurance

86% of our customers would recommend our service

Income protection insurance: financial security if you're unable to work through illness or injury – exclusive to NICEIC Insurance customers.

Would you be able to cover your monthly bills if you suffered a serious accident or were unable to work due to injury or illness?

With personal accident and short term income protection insurance, you will receive a lump sum or help to replace your monthly income for up to twelve months if the worst should happen.1

We're not just talking about injuries at work – a back injury on the golf course, a DIY incident at home, or a nasty illness like pneumonia. To protect your income from the unexpected, you can cover all these eventualities quickly and easily.

Cover options to suit your needs

Working with a leading specialist insurer, we've developed two affordable levels of contractors personal accident insurance and short term income protection:

  • Contractors personal accident insurance for as little as £12 per month (plus insurance premium tax, IPT); or
  • Combined personal accident and short term income protection cover for £52.80 per month (plus IPT).

Exclusive to registered contractors with NICEIC Insurance, you can add this vital protection to your existing contractors cover as an optional upgrade. Get in touch.

Please request this cover when getting a quote if you are a new customer.

Put us to the test

Our FREE no-obligation insurance health check will compare the cover, service and price you're getting with what we can provide. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money.

If you prefer to do things yourself, you can get a quote and buy online – quickly and conveniently.  

Key benefits of contractors personal accident insurance at a glance*2

Personal accident/death cover as an extension to the contractors policy

Benefits - Level 1

Benefits - Level 2

Accidental death

£25,000

£50,000

Permanent total disability

£50,000

£100,000

Quadriplegia

£100,000

£200,000

Paraplegia

£50,000

£100,000

Permanent loss of sight in both eyes

£25,000

£50,000

Permanent loss of sight in one eye

£25,000

£50,000

Permanent loss of use of one limb

£12,500

£25,000

Permanent loss of speech

£12,500

£25,000

Permanent loss of hearing in both ears

£12,500

£25,000

Permanent loss of hearing in one ear

£5,000

£10,000

Burns

£1,250

£2,500

Hospitalisation (maximum 45 days and after a minimum of 24 hours)

Extended hospitalisation (for stays longer than 14 days)

£50

£500

£100

£1,000

A major fracture of;

Upper leg; vertebral body; pelvis; skull

Vertebra

Lower leg hand/foot

 

£250

£125

£50

 

£500

£250

£100

Dislocation of;

Spine back hip

Knee, ankle shoulder

Any other joint

 

£125

£50

£25

 

 

£250

£100

£50

For more information on the levels of cover provided under short term income protection and personal accident, please call us.

NICEIC REGISTERED CONTRACTORS RECEIVE 10% DISCOUNT

Over 12,000 contractors can't be wrong. Don't take our word for it, our excellent Feefo reviews from contractors speak for themselves. That's why we have been awarded an exceptional customer service award – some of the five-star reviews have told us they had saved money, others have improved benefits and still saved money.*

The Power Behind Your Business

NICEIC Insurance is here to help you with all your business insurance needs – from electrical contractor insurance, personal accident and short-term income protection to van insurance and premises insurance – we've got you covered.

Unlike many direct insurers or comparison sites, we're here to provide expert advice. We'll explain the finer details of your electrical contractors insurance cover, so you know exactly what you're protected for. This should give you peace of mind, leaving you to focus on looking after your customers.

Our support doesn't stop there. We're on-hand to guide you through the process of making changes to your cover – mid-term or at renewal, should your circumstances change. But, if you wish to do things yourself, our customer portal puts you in control. Download your documents, make adjustments and renew your policies online.

And, should the worst happen and you need to make a claim, we will help to make sure it's handled as quickly as possible.

Personal accident/death cover as an extension to the contractors policy.

1 In order for cover to be valid, you must be off work for at least the qualification period and be signed off work by a doctor.
2 As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

* https://www.niceic-and-elecsa-insurance.com/news-and-information/niceic-and-elecsa-insurance-services-wins-an-exceptional-service-award/
https://www.feefo.com/en-GB/reviews/niceic-and-elecsa-insurance-services?displayFeedbackType=SERVICE&timeFrame=YEAR

86% of our customers would recommend our service

Helpful staff over the phone with best price for the level of cover I have requested.

Mr Balazs Balogh