The guys at life without lemons were excellent, very helpful and explained everything in full detail. I would 100% recommend these guys to anyone.
Rates going up in April. Lock in today’s price — your first month is price-protected.
Get covered online in minutes
From just £10/month.
Two questions. 10 seconds. No medical questions — ever.
All plans pay a monthly income benefit if an accident stops you working. Higher plans pay more.
Extend your protection to a family member for less each month.
Optional upgrade — extends your protection beyond accidents.
Here’s a summary of your selected cover:
You have not been charged — our team will confirm your cover before anything is taken.
Finalise your application in minutes — get instant confirmation.
Prefer to speak to someone? Our team will call you back.
Pick a date and time that suits you — our team will call you back to complete your cover.
Total payout
Total payout
Over 2,000 policyholders covered. 96%+ of claims paid. Here’s what happened when they needed us.
The guys at life without lemons were excellent, very helpful and explained everything in full detail. I would 100% recommend these guys to anyone.
GB
Exactly service, myself, partner and kids all have policies at an extremely affordable price.
GB
Really competitive rates and great customer service will definitely use them again next year and would highly recommend.
GB
Top quality!!! I received an amazing service from the guys at Life Without Lemons and would recommend the company to everyone.
GB
I was looking for income protection but didn’t know much about the policy. Life Without Lemons were very helpful and explained everything. I now have the peace of mind knowing if I’m off work sick my income will still be coming in. Thank you
GB
Exceptional service – As an early stage company looking to provide comprehensive cover for our employees should the worst happen. The team at Life Without Lemons guided me every step of the way. Would and have recommended them to others
GB
Life Without Lemons really impressed me with their commitment to exceptional customer service. From the moment you contact them, their team is friendly, knowledgeable and genuinely interested in helping you find the best cover for your needs. They take the time to explain policy details clearly, ensuring that customers feel informed and confident in their choices. There are no hidden charges or unexpected costs; what you see is what you get. If you’re looking for an insurance provider that prioritises customer satisfaction while offering a comprehensive and transparent service, Life Without Lemons is the right choice.
GB
Got recommended by a friend who had taken out a policy. Life without lemons is a must have for anybody who doesn’t get sick pay. I now feel comfortable knowing that if anything happens to me which results in me being unable to work that I’m secure. Friendly polite and very helpful service would deffo recommend.
GB
From Instagram Scroll to Peace of Mind – An Amazing Experience!
I first came across Life Without Lemons while scrolling on Instagram – the name caught my attention, but it was the vibe and clarity of the posts that made me stop and dig deeper. Everything felt fresh, relatable, and genuinely helpful (not pushy or salesy like some other insurance ads I’ve seen online).
I decided to reach out, and honestly, that’s when everything clicked. The team were brilliant – warm, knowledgeable, and incredibly patient. They didn’t throw jargon at me or rush the conversation. Instead, they took the time to explain all the cover options in a way that made sense. It felt like they actually cared about what I needed, not just what they wanted to sell.
As someone who runs regularly, I’d been looking for something that would protect me if I ever had an accident while out on a jog. Life Without Lemons had the perfect accident cover policy for that – affordable, straightforward, and with exactly the kind of support I was after. Taking it out gave me so much peace of mind.
Honestly, it’s rare to find a company that gets the balance right between personal service and professional advice – but they nailed it. I’ve already recommended them to a few friends, and I’ll keep doing so. Thanks again to the whole team!
GB
The service was 10/10, extremely quick responses and very friendly staff. From the start they have been nothing but helpful. They have very professional staff that answered all my questions to an amazing standard. Thank you again for all your help, and I will definitely be recommending this service and company.
GB
The team really Talked through my personal needs and gave me the cover that fit
GB
Harris provided great insight into how the insurance policy works and the process was very smooth.
GB
Can I just just without any filter. Harris the man who has been handling my case with honesty. Thank you so much for dealing with this. You’ve been absolutely amazing and I cannot thank you enough for what you’ve done. I had been unfairly managed and when I told him I’m having this issue. He made sure it was solved in seconds and that he would make sure it will work out well. Thank you for your help and thank you to the team for their patience and kindness. I’m a very on top of things person and they did not once be rude or made me feel uncomfortable. They would always speak to me with the best of the best customer service and kindness. Thank you all so much. Now I can relax and get my self on the way to full time recovery and get back to playing and enjoying my football. Thank you guys. I can keep going on honestly for how grateful I am but honestly, best of the best people. If anyone wants to speak to me about these people wallah mate go for it. I’ve had to go back and forward with work especially
GB
I can’t thank the Life without lemons team enough for the support they’ve given me. They have gone above and beyond to make sure everything was put in place with my insurance while I’ve been off work with my injuries. The whole process was handled with care, professionalism, and genuine understanding. It’s been such a relief knowing I was in safe hands. I highly recommend!
GB
My experience has been splendid. The communication waiting time and customer service are awesome. Overall, I was highly impressed.
GB
I first signed up with Life Without Lemons last year when my youngest son got his first professional rugby contract – I should have done it years ago but not being from a rugby background myself I didn’t realise such a thing existed!
After my son has recently turned 18, we have recently changed our cover so he now has his own. I’ve kept mine as I’m at the gym 4 times a week, and i’ve also added on income protection as i’m self employed.
Paul & Harris are extremely helpful, professional, down to earth & patient with my many questions. They have both made the process so simple.
The hope is neither myself or my son ever have to use our policies, but I feel reassured that the support is there should we need it.
Thank you Paul & Harris you’ve both been great.
GB
Most jobs don’t pay you when you’re injured. No sick pay? No savings? One accident shouldn’t end the month. Here’s what every policy includes.
Budget-friendly protection for accidents only, sickness not included.
What’s covered:
Income cover for sports injuries that stop you from playing.
What’s covered:
Complete coverage for accidents and illness combined.
What’s covered:
Gym, football, running, cycling, injuries come with it. If you’re sidelined, your income takes a hit. We make sure you’re still getting paid while you recover.
Most accidents happen at home. One wrong move, you’re out for weeks. Get paid while you recover, don’t stress about money.
Falls, slips, injuries, it happens. If you’re off work, your income stops. We pay you while you recover, so bills don’t pile up.
Get 24/7 access to a real GP anytime, anywhere so you can get answers and start treatment without delays. Free with every policy.
Recovery isn’t just time, it’s treatment. Physio, rehab, getting you back to full strength. We help cover the cost so you recover properly.
From injury to payout in 3 simple steps
Tell us your age, job, and which coverage level you want.
Fill in an online form in under 2 minutes and get instant confirmation.
Get paid in 14 days with sickness and recovery support.
When will I get paid after an accident?
After 14 days of your claim being approved.
Can I get cover if I’m self‑employed?
Yes! Accident Cover applies regardless of employment status.
How long do I get paid for?
Three months from the date you’re unable to work due to the accident.
How long does it take to get paid out?
Once your policy is live, you cannot make a claim for the first seven days. The waiting period for a claim is 14 days. However, payments for fractures and rehabilitation can be much sooner.
Am I tied into a contract?
No, this isn’t a contract or a minimum term policy, you can cancel by contacting our team on info@lifewithoutlemons.co.uk
Are you legit?
Yes absolutely, we are authorised and regulated by the FCA (Firm reference 998436) and the policy is provided by our partners National Friendly.
Cover yourself in 60 seconds — from £10/month.
Life Without Lemons Ltd is a registered company in England, company number 14839456. Registered office, 46 Park Place, Leeds, LS1 2RY, UK. Life Without Lemons Ltd is authorised and regulated by the Financial Conduct Authority, license number 998436
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