Personal Accident Insurance

Accidents happen. Personal accident insurance makes your path to recovery easier by covering your bills and living expenses, allowing you to focus on getting better without worry. Consolidated Insurance Brokers make getting 5 personal accident insurance quotes fast, simple and easy. Call us now to save time and compare the insurance market.

I moved my insurances to Consolidated brokers because I received the best service one could ask for. (...) reassured that me and my company will be in good hands. see more
TOP BROKERAGE 2022 & 2023
The resource of choice for the country’s most forward-thinking insurance professionals.
TOP BROKERAGE 2022 & 2023
The resource of choice for the country’s most forward-thinking insurance professionals.

Personal Accident Insurance

Talk today with our team to find the right kind of insurance that will suit your needs.

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What is Personal Accident Insurance?

Personal accident insurance (also called personal accident and illness cover) provides replacement income in the event you’re unable to work due to an accident or sudden illness. If your income requires you to work to pay your bills, then this type of cover can be the exact solution you need.

Personal accident insurance is especially beneficial for those with families and dependants who need to pay school fees, mortgage repayments, groceries and other living costs

If you’re a sole trader, a tradesman or contractor, personal accident and illness insurance protects your ability to pay your living expenses.

man and doctor looking at personal accident insurance documents

What can be covered

What may not be

Get Started With Personal Accident Insurance

Protect your ability to pay your living expenses with personal accident and illness insurance.

Claim example

Simone is a truck driver who contracts to a large freight business. On the weekend and outside of work activities, Simone trips and fractures her right ankle leaving her unable to drive and earn an income.

Simone had taken out a personal accident insurance policy with her broker and explained she always has enough funds in savings to last for 2 weeks if she was injured. Her broker set up a policy which guarantees to pay her $1,000/week for up to 1 year while she can’t drive.

The policy will begin these payments to Simone after a 14 day waiting period – the period Simone selected when she bought the policy to keep the premium affordable for her budget.

Why Choose CIB?

Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.

Our Expertise

Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available

Your Partner

Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.

Clear Terms

We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.

Full Cover

We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.

What our clients have to say

109 James Street, New Farm

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  • Avatar Santa Scivetti ★★★★★ a week ago
    Tracey Eaton has been a delight to deal with, even if we are located in a different state. Highly recommend her and will use her in the future without any hesitations. Thank you Tracey you have been terrific
  • Avatar Garry Parkinson ★★★★★ 2 weeks ago
    Highly recommend Debbie and James from Consolidated Insurance Brokers. Our insurance had tripled according to our previous broker but Debbie and James search tirelessly to find us the best quote to insure our property and … More saved us a lot of stress and money, we cannot thank them enough.
  • Avatar Amanda Milnes ★★★★★ a month ago
    We have been using Consolidated Insurance Brokers for 3 yrs now for our business. Aimee from Consolidated has been amazing to deal with. Explained everything in detail regarding our new insurance policies and what had changed … More since previous year and did her best to source the right outcome for us. Would highly recommend Aimee for all your business insurance needs.
  • Avatar Jo Radovic ★★★★★ a month ago
    Lyn was kind, caring and professional from the minute we started talking. I needed a broker because of extenuating circumstance and she was able to find the right insurer who also understood. I’m now rusted on. I highly … More recommend Lyn Schumann 🙂
  • Avatar Sean Stewart ★★★★★ 2 months ago
    Clayton Rowlings from Consolidated was a pleasure to work with and got me the best car insurance deal in the market by far. His high level of service was impressive and he stayed in touch with me in assistance for nearly … More 1 year while I was deciding what to buy. He was very attentive and super helpful at each step of the way, which made navigating this insurance process easy to understand and finalise. Thanks again, Clayton - highly recommend!

How can we help?

With access to a range of reputable insurers and policies not available to the public, we can offer you a range of quotes. We’ll help you compare the coverage offered for each, so you can make the best decision for your needs.

Having a customisable personal accident policy means that you can tailor coverage to suit the needs and risks of your finances and work life.

Personal accident insurance is complex and very individual to the policyholder, so it’s important to have an excellent adviser.

Frequently Asked Questions

There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:

  • Work on your behalf to secure you better protection through their negotiating power
  • Help you understand your risks and empower you to make better life / business decisions
  • Ensure insurers are held accountable to their promise to protect what you value during claims
  • Save you time and money by taking care of comparing and customising policies for your needs

Without the information needed to determine if personal accident is for you, it may be a beneficial cover for:

  • Sole traders and the self-employed
  • Tradesman and contractors
  • Anyone who relies on manual work for income

If you’d like to find out if personal accident insurance is right for your needs or arrange cover, please get in touch with us.

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