Life can be unpredictable — and sometimes, that means a slip, a trip, or a tumble. That’s where Fracture Cover comes in. It’s a simple, affordable way to add an extra layer of protection to your existing insurance policy.
✅ What Is Fracture Cover?
Fracture Cover is an optional add-on to policies like Income Protection, Life Insurance, or Critical Illness Cover. It pays out a tax-free lump sum if you suffer a specific injury — typically a fracture, dislocation, or tendon/ligament tear.
Think of it as a financial cushion while you recover.
💡 Why Consider Fracture Cover?
Here’s why many people in the UK are adding this to their protection plans:
Quick Payouts: No lengthy claims process — just a straightforward lump sum.
Covers Common Injuries: From broken wrists to fractured ribs, many everyday injuries are included.
Affordable: Premiums usually range from £4 to £7 per month.
Peace of Mind: Especially useful for active individuals or those in physical jobs.
📋 What’s Typically Covered?
Coverage varies by provider, but common injuries include:
Fractures to arms, legs, ribs, hips, and skull
Dislocations (e.g. shoulder, knee)
Ligament or tendon ruptures
💬 Note: Not all injuries are covered, and payout amounts depend on the severity and location of the injury. There are also annual claim caps for multiple fractures.
💷 How Much Could You Receive?
Payouts can range from £1,000 to £6,000, depending on the injury. Most policies allow multiple claims per year, up to a set limit.
🛡️ Is Fracture Cover Right for You?
You might benefit from fracture cover if you:
Have an active lifestyle or play sports
Work in a physically demanding job
Want extra financial support during recovery
Already have a protection policy and want to enhance it
👋 Let’s Talk About Your Options
At One Roof Financial, we help you build a protection plan that fits your life — and your budget. Whether you’re curious about fracture cover insurance in the UK or want to review your current policy, we’re here to help.
📞 Get in touch today to explore your options and see if fracture cover is a smart add-on for you. click here to book. https://onerooffinancial.co.uk/contact/
Blog written 17/06/2025
The information contained within this blog was correct at the time of publication (17/06/2025) and is subject to change.
