Best personal accident / injury insurance policy?

Joules2015

Hi, can anyone please recommend a good personal accident or injury insurance policy? Many thanks.

Weighty1

Generally I'd recommend a long-term income protection plan.  This pays out for as long as you are unable to work if ill OR injured.  It can be tied into your sick pay entitlement from work so that once that stops this sort of plan then pays out and they can be claimed on multiple times during the policy term.  Once the plan is in force it cannot be amended if you become a poor risk.
You'd potentially have to be quite selective about the insurer, depending on your occupation and how soon you want the plan to kick in but there's plenty of good plans out there.
In regards to actual "personal accident plans", as someone on here posted the other day.  Their initials are PAP, mainly because they are generally very poor quality policies.

Joules2015

Thank you, I have looked at those, but can only seem to find ones that pay out for a limited number of years.

[Deleted User]

My own policy is to be a couch potato. 
If you don't do anything or go anywhere, very little untoward is likely to happen to you other than becoming obese. 

Weighty1

Joules2015 said:

Thank you, I have looked at those, but can only seem to find ones that pay out for a limited number of years.

There are plenty of insurers which will offer these providing a payout for as long as a doctor signs you off work.  You'd probably be better off speaking to a protection specialist who can look at the whole market.

SonOf

Please use the other thread rather than this one as it contains more information
https://forums.moneysavingexpert.com/discussion/6099133/accident-insurance-for-self-employed#latest