Personal Accident Insurance

Accidents and injuries happen. Personal accident and illness insurance makes your path to recovery easier by covering your bills and living expenses, allowing you to focus on getting better without worry.

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 might not be

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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.

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.

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Our Specialty

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.

great advice

As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.

your partner

We manage your insurances so you don't have to — save precious time and effort.

CLear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

Full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

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.

What our Customers Say

109 James Street, New Farm

5.0 246 reviews

  • Avatar Mr J ★★★★★ a week ago
    Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been.Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of.Being our first commercial … More property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance.To my amazement, Natasha also offered all these options in under an hour, which I found stunning!The lost art of PR and courtesy is alive and well here.Thank you SO much for being you !Jay, Adelaide SA
  • Avatar Kymberlei Goodacre ★★★★★ a week ago
    I found Tracey communicative, efficient and friendly. The quotes received were competitive and the material provided easy to read and understand. My email queries were answered responsively with the information I sought. … More For a busy professionals looking for insurance - these are the brokers I recommend.
  • Avatar Melissa Park ★★★★★ 2 weeks ago
    Karen has been handling our business insurance for past few years and has always been a pleasure to deal with. She is professional and always manages my queries and requests in a timely manner. I would definitely recommend … More her and CIB.
  • Avatar naran patel ★★★★★ 3 weeks ago
    Great customer service from Natasha Nielsen 5/5. She explained the ins and outs for my landlord insurance that allowed me to go for the most prudent package. I wished I heard about this firm earlier.Any future insurance deals/renewals … More I will giving them a call first!
  • Avatar Susan Vlack ★★★★★ 3 weeks ago
    Standard insurance packages did not cover my business needs, leaving me vulnerable. Debbie quickly sorted it out and provided good options. Highly recommended. Big Thankyou, Debbie!

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