Personal Accident Insurance

Is accident or illness recovery on the breadline an option for you? If not, then personal accident insurance may be the better choice.

Take care of yourself, and we’ll do the rest

If the closest you’ve come to an accident in the past is trapping your hand in the kitchen drawer, then it may not have occurred to you to take out personal accident insurance.

Even if you work in a high risk trade where you need to be active and on your feet all day, you may have been fortunate enough never to come into harm’s way.

Unfortunately it’s the bigger accidents, the more complicated injuries, the long standing illnesses – those ailments that are completely unexpected, that are going to cause problems.

  • Fixed benefit amount paid in the event of death/ loss of limb
  • Loss of sight, loss of limb, permanent total disability
  • Loss of hearing or speech
  • Permanent loss of use of thumb, index and other fingers, shoulder and wrist
  • Permanent loss of use of hip, knee or ankle.
  • Temporary total disability
  • Temporary partial disability
  • Illness cover
  • Weekly benefits can cover up to 80% of weekly income

If you want to protect your financial wellbeing at a difficult time, Shearwater is here to help with a range of personal accident insurance options. Each of these is designed to take care of you financially at a time when you need it most, so when you are ready to return to work, you will hopefully be on a similar footing as you were before having to take time out.


Your Employment Status

If you are employed by a company, then you are entitled to statutory sick pay for up to 28 weeks. However this is much lower than most incomes and is unlikely to sufficiently cover your existing living costs. If you are self-employed, you won’t even receive that.

This is a long time to try and recover your health, especially if you are seeing your financial reserves depleting at the same time.


  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get A Quote Today

For professional insurance that means business.  Phone us today on 01992 718666 or request a quote online.