Welcome to Personal Accident UK. My name is James Harrison, and I am the founder and lead editor of this platform.
If you are navigating the complex, and often frustrating, world of personal accident and sickness insurance in the United Kingdom, you are in the right place.
Why I Started Personal Accident UK
The UK insurance market is packed with confusing jargon, hidden exclusion clauses, and dense fine print. A few years ago, I witnessed firsthand how devastating it can be when a self-employed friend suffered a severe injury without the right financial safety net in place. They assumed their standard cover would protect them, only to discover too late that they were drastically under-insured.
I realised then that the average worker—from freelance tradespeople to active equestrian enthusiasts—rarely gets straightforward, unbiased information about how to protect their income.
I created Personal Accident UK to bridge that exact gap. My mission is to strip away the corporate jargon and provide you with clear, practical, and actionable information so you can build a robust financial shield for your family.
What You Will Find Here
Instead of generic advice, I focus on providing highly specific, UK-centric resources, including:
- Expert Guides: Breaking down the mechanics of accident cover, from standard policies to high-risk hobby protection.
- Practical Calculators: Step-by-step methods to calculate your exact survival budget so you never overpay for coverage you don’t need.
- Claims Assistance: Demystifying the UK claims process so you know exactly what to do—and what mistakes to avoid—following an injury.
- Current UK Guidelines: Keeping you updated on the latest Statutory Sick Pay (SSP) rates and shifting industry regulations.
My Commitment to You
Every single guide on this site is rigorously researched with the UK audience in mind. I prioritise accuracy, total transparency, and practical utility.
Please note: While I am deeply passionate about insurance education, I am not a regulated financial advisor. The content on Personal Accident UK is for educational purposes. Always consult with an FCA-regulated advisor before making major financial decisions.
Thank you for trusting me to be a part of your financial security journey. If you have any questions, or simply want to suggest a topic for a future guide, please do not hesitate to reach out via the Contact page.
Stay protected and stay informed.
James Harrison Founder, Personal Accident UK