Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Accident Cover
A Lump Sum When An Accident Changes Everything
Accident cover pays a tax-free lump sum if you are injured in an accident — helping with recovery costs, adaptations and time off work when you need support most.
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It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
Accident cover (personal accident insurance) is designed to pay a tax-free lump sum if you suffer a specified injury in an accident — such as fractures, burns or permanent disability, depending on the policy.
Unlike income protection, which pays a regular monthly benefit while you cannot work, accident cover typically pays once based on the severity of the injury. It can sit alongside life, critical illness or income protection for broader cover.
Because we are whole-of-market, we compare leading insurers on definitions, payout scales and underwriting — so you get cover that fits your lifestyle, job and budget without the jargon.
Speak to an Expert
Why Consider Accident Cover?
- Tax-free lump sum after a specified accidental injury
- Help with recovery costs and time off work
- Can cover fractures, burns and permanent disability (policy dependent)
- Often more affordable than broader illness cover
- Works alongside life and income protection
- Useful for active lifestyles and higher-risk roles
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share your job, lifestyle and how much lump-sum support you would want after an accident. We outline options with no obligation.
02We Compare The Market
Your adviser searches leading insurers for injury definitions, payout scales and premiums that fit your budget.
03You're Protected
Policy placed and documents issued. We will review your cover regularly and help if you ever need to claim.
Our Protection Services
Life Insurance
Pays a lump sum to your family if you die. Level or decreasing term. Joint or single. We'll find the right policy.
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Critical Illness Cover
Pays out a tax-free lump sum on diagnosis of a specified serious illness such as cancer, heart attack or stroke.
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Income Protection
Replaces a proportion of your income if you're unable to work due to illness or injury. Short or long-term.
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Family Income Benefit
Regular tax-free payments to your family if you die during the policy term — often a cost-effective alternative to lump sum cover.
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Whole of Life Insurance
Lifelong cover that pays out whenever you die — often used for inheritance planning or funeral costs.
Read More
Private Medical Insurance
Access private healthcare when you need it — we compare providers to find cover that fits your budget and needs.
Read More
Business Protection
Key person, shareholder and loan protection to safeguard your business if a key individual dies or becomes critically ill.
Read More
Accident Cover
Pays a lump sum if you're injured in an accident — helping cover recovery costs and time off work.
Read MoreCommon Accident Cover Questions
Income protection pays a regular monthly benefit while you cannot work due to illness or injury. Accident cover usually pays a one-off lump sum for specified accidental injuries, based on a payout scale.
Policies often cover accidents resulting in fractures, burns, hospitalisation or permanent disability. Exact definitions and payout amounts vary by insurer — we will explain what is included before you apply.
Generally no — accident cover focuses on accidental injury. For illness-related risks, critical illness or income protection is usually more suitable. Many people hold a combination of covers.
It can suit people who want affordable lump-sum protection for accidents — including those in more physical roles, sports or active lifestyles. Your adviser will confirm if it fits your wider protection plan.
This depends on your income, savings, mortgage and how much you would need for recovery or adaptations. Your adviser will help choose a realistic sum assured based on your circumstances.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
