Personal Accident Insurance

24/7 global protection for your team – wherever they are in the world

Because life’s unpredictable – but your support shouldn’t be

Accidents happen. But when they do, your employees shouldn’t be left navigating the aftermath alone. Personal Accident Insurance is a powerful way to protect your people — and show them you’ve got their backs.

At Howden, we design accident protection that fits your world — whether your employees are on the road, in the office, or working at height. We work closely with leading insurers to tailor plans that match your risk profile, budget, and business goals. No unnecessary extras. No gaps in cover. Just smart protection, built around your people.

What’s covered?

Accidents and serious injuries

We cover a wide range of outcomes including:

Accidental death
Unprovoked murder or assault
Permanent and temporary disablement (including dismemberment)
Funeral and burial costs

24/7 worldwide cover

No matter where your people are — or when something happens — they’re protected.

More than just the basics

We include cover for real-life scenarios that many providers leave out:

Natural disasters
Vehicle accidents (including motorcycles)
Disappearance
Drowning
Smoke or poison inhalation
Food poisoning
Animal bites (excludes mosquito bites)

Yes, even riots and civil unrest

Most policies exclude these. Ours don’t. We include Riots, Strikes, Civil Commotion, and Terrorism as standard — because real risk doesn’t come with a warning.

Smarter tech, smoother claims

Online portals & mobile apps

From finding the nearest accredited hospital to skipping queues with Letters of Authorisation — we’ve made access fast and frictionless.

Microchip-enabled cards

Just tap your card at partner hospitals and go. No paperwork, no delays.

How are premiums calculated?

We match pricing to the level of risk for each job type — making it fair and flexible.

Risk Class	Examples
Class 1 - Very Low Risk	Office-based staff
Class 2 - Low Risk + Travel	Sales reps, site visitors
Class 3 – Moderate Risk	Skilled/semi-skilled roles (e.g. petrol station attendants)
Class 4 – High Risk	Labourers, machine operators, emergency workers
Class 5 – Extreme Risk	Anything outside standard classifications — let’s talk