Whole-of-market protection advice · FCA regulated
Your car is insured. Your phone is insured. But if you broke your wrist on Saturday and couldn't work on Monday — who pays you? EverydayProtect pays cash straight to you for broken bones, hospital stays and serious injuries, so a bad day doesn't become a bad month.
Apply online — takes about 4 minutesCover for accidents starts immediately. No medical, no forms from your GP. For UK residents aged 18–64.
Say yes to every day
Everyone starts with Core Cover. Add options if they fit your life, then pick 1–5 units — more units, bigger payouts. Your price never depends on your health, your age when you claim, or how many claims you make.
All your children, birth to their 23rd birthday — broken bones, hospital stays and a cancer benefit. They don't need to live with you.
Dislocations, tendon ruptures and ligament tears — football, rugby, running, gym, martial arts and more. Can only be added when the policy starts.
Hospital stays due to sickness are covered once you've held the policy for 12 months. Accident cover starts straight away. Figures shown update with your selection — full tables below.
Mr G, a self-employed HGV driver, was hit by a lorry while checking his vehicle at the roadside. He broke 20 major bones, 14 spinal bones and more, and spent 32 days in hospital. With no employer sick pay to fall back on, MetLife's payout carried him and his family through.
Mr and Mrs C's son was diagnosed with a bacterial infection and sepsis, spending 18 days in hospital and then a further 62 after being readmitted. Both parents had added Child Cover to their policies — MetLife paid the hospitalisation benefit within 5 working days.
Mr R, a joiner, tore his anterior cruciate ligament playing amateur rugby at the weekend. Because he held five units with Active Lifestyle Cover, MetLife paid the full complete-ligament-tear benefit — money for the months his knee kept him off the tools.
Real MetLife claims, anonymised, taken from the MetLife Claims Case Study Booklet 2026 and EverydayProtect sales materials. Payout amounts reflect the number of units each policyholder held and the policy terms in force at the time of their claim. Claims are always assessed against the Policy Terms and Conditions.
We're whole-of-market advisers, so before we talk about EverydayProtect, here's the honest picture. There are three main routes to protecting your income and your family — and the right one depends on your health, your job and your budget. We'll always help you choose.
Pays a monthly income if illness or injury stops you working, until you return or retire. Offered by Aviva, Legal & General, Royal London, Vitality and others. Medically underwritten — your health, occupation and smoking status set the price, and some people are declined or rated.
A one-off lump sum if you're diagnosed with a specified serious illness such as cancer, heart attack or stroke — usually bought alongside life cover. Also medically underwritten, with exclusions possible for pre-existing conditions.
Fixed cash payouts for defined events — broken bones, hospital stays, serious injuries — with no health questions, no GP reports and cover that starts immediately. That's EverydayProtect, and it's what this page is about. It sits alongside the other two, or is the realistic starting point when underwritten cover is unaffordable or unavailable.
Being straight with you: EverydayProtect is not a replacement for income protection or life insurance. If you're not sure which route fits, our free protection review will look at what you already have and tell you honestly — no charge, no obligation.
Spend it however you need — bills, mortgage, childcare, physio, time off. Claiming never increases your premium, and you can claim for multiple injuries from one accident.
| Insured event | 1 unit — £11/mo | 5 units — £55/mo |
|---|---|---|
| Core Cover — included for every policyholder | ||
| Major broken bone (arm, leg, ankle, back, hip, neck, pelvis, shoulder, wrist, skull & more) | £1,000 | £5,000 |
| Minor broken bone (ear bones, most facial bones, other specified) | £250 | £1,250 |
| UK hospital stay — per 24 hours (accident from day one; sickness after 12 months) | £50 | £250 |
| Accidental permanent injuries (paralysis, loss of sight, hearing, limbs, organs, serious burns) | £2,500–£25,000 | £12,500–£125,000 |
| Total permanent disablement — unable to look after yourself ever again | £50,000 | £250,000 |
| Accidental death | £40,000 | £200,000 |
| Non-accidental death (from year 5; premiums refunded in year 1) | £2,000 | £10,000 |
| Optional Child Cover — +£2 per unit per month | ||
| Child major broken bone | £250 | £1,250 |
| Child UK hospital stay — per 24 hours | £20 | £100 |
| Child cancer (as defined in the policy) | £5,000 | £25,000 |
| Optional Active Lifestyle Cover — +£2 per unit per month | ||
| Dislocation (surgical intervention or hospital manipulation) | £1,000 | £5,000 |
| Complete (grade-3) ligament tear — knee or ankle | £1,000 | £5,000 |
| Tendon rupture (Achilles, hamstring, bicep, quad, rotator cuff) | £1,000 | £5,000 |
Units 2, 3 and 4 sit proportionally in between — every benefit is simply multiplied by your number of units. The most MetLife will pay for any single insured event is £50,000 per unit under Core Cover (£5,000 per unit under Child Cover). Core and Active Lifestyle benefits reduce by 50% from your 70th birthday and the policy ends at 75. Full definitions and exclusions are in the Policy Summary and Summary of Benefits.
Unlimited GP appointments for you and your family, bookable 24/7, 365 days a year — advice, reassurance and diagnosis without fighting for a surgery slot. Provided by HealthHero.
Six 30-minute sessions a year with fully qualified, HCPC-registered physiotherapists — a credible alternative to face-to-face physio when an injury needs working through.
24/7 access to counsellors by phone or video, plus the Wisdom app — support with mental, physical and financial wellbeing whenever you need it. Provided by Health Assured.
No health questions · accident cover from day one · cancel anytime
No health questions. No paperwork. Your application is reviewed and placed by our FCA-regulated adviser team, and we'll confirm everything by email.
One of our advisers will review your application and be in touch within 1 working day. You'll receive an email confirmation with your policy documents shortly.
You've protected your everyday — now make sure the rest of your cover is doing its job. It's free, whole-of-market, and there's no obligation.
Every insurance policy has exclusions. We'd rather you knew them before you buy than after you claim.
We're whole-of-market advisers. Send us the details of any cover you already have and we'll produce a written protection review — what's covered, what's missing, and what it should cost. No charge, no obligation, no pressure.
Important information. EverydayProtect is provided by MetLife Europe d.a.c., trading as MetLife, authorised and regulated by the Central Bank of Ireland and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Financial Expert Independent Ltd (FCA 565800) is a whole-of-market insurance intermediary and an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556). We may receive commission from product providers; this does not affect the premium you pay.
The information on this page is a summary only and does not constitute personal financial advice. Full details of the cover, definitions, exclusions and waiting periods are set out in the Policy Summary and Policy Terms & Conditions, which you should read before applying. GP24, Virtual Physiotherapy and the Wellbeing Support Centre are added services provided by HealthHero and Health Assured; they are not part of the insurance contract and MetLife may amend or withdraw them at any time. Benefits are free from UK income tax and capital gains tax; inheritance tax may apply to payments made after death, and tax treatment depends on individual circumstances and may change. Insurance payouts may affect entitlement to means-tested state benefits. If you are not satisfied with our service you may refer your complaint to the Financial Ombudsman Service. Your policy may be protected by the Financial Services Compensation Scheme (FSCS).
Financial Expert Independent Ltd (FCA 565800) is an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556). Financial Expert Independent Ltd is registered in England and Wales, company no. 07779372. Registered office: 1st Floor, 3 Chester Bridge, Crewe, Cheshire, CW2 7EF.
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