Fracture Cover
Accidents can happen at any time and a broken bone or torn muscle can impact more than just your health. Fracture cover insurance provides a valuable cash payout if you suffer certain injuries, helping cover the unexpected costs that come with recovery.
At A & R Protection Specialists, we help clients across the UK understand how fracture cover insurance fits into their overall protection plan. Our friendly, no-obligation advice ensures you get the right level of cover, without paying for what you don’t need.
How Does Fracture Cover Work?
With a fracture cover policy, you can receive a cash payout of up to £6,000, depending on the type and severity of the injury. Policies typically cover:
Broken bones (fractures)
Dislocations
Ruptured tendons or ligaments
Muscle tears
This payout can help with expenses like time off work, childcare, medical costs, or simply to ease financial pressure during your recovery.
Fracture cover is often available as an add-on to life insurance or income protection policies, creating a more complete protection package tailored to your needs.
Sponsorship Opportunities for Sports Teams & Clubs
At A & R Protection, we’re passionate about supporting local communities, that’s why we offer sponsorship opportunities for sports teams and clubs.
If you're part of a team or club and are looking for a sponsorship - we’d love to hear from you.
Get in touch with us today to explore how we can support your team.
Why Choose A & R?
Advised Service
Recommend what’s best for individual needs
Wide Provider Panel
Real choice, not one-size-fits-all
Remote Appointments
Advice that fits around your life
No-Obligation Support
Explore your options with zero pressure
UK-Wide Expertise
Wherever you are, we’re ready to help
Frequently Asked Questions
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Fracture cover is a type of insurance that pays you a cash lump sum if you suffer certain injuries, like broken bones, dislocations, ruptures, or tears. It’s designed to help with the extra costs that come with recovery.
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Depending on your policy and the type of injury, payouts can be up to £6,000. The exact amount depends on the severity and location of the fracture or injury.
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Most fracture cover policies include:
Broken bones (fractures)
Joint dislocations
Ruptured tendons or ligaments
Muscle tears
The full list of covered injuries will vary by provider, and we’ll help you understand the details before you buy.
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No - fracture cover is usually available only as an add-on to a life insurance, critical illness, or income protection policy. We’ll help you explore the right bundle of cover to fit your needs.
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Fracture cover can benefit anyone, but it’s especially useful for people with active lifestyles, families with children or self-employed individuals who can’t easily afford time off work due to injury.
Got a Question? Let's Talk
Whether you're unsure about what cover you need or just want a second opinion—we're here to help.