Rates going up in April. Lock in today’s price — your first month is price-protected.

Get covered online in minutes

Can’t work after an accident? Get paid £2,250/month-within 14 days.

From just £10/month.

QUICK ELIGIBILITY CHECK

Two questions. 10 seconds. No medical questions — ever.

1
Eligibility
2
Details
3
Cover
4
Plan
5
Add-ons
6
Confirm
7
Payment
8
Review
Do you work 16 or more hours per week?
Yes
No
You must work 16+ hours per week to qualify for this policy.
Have you been registered with a UK GP for at least 2 years?
Yes
No
You must be registered with a UK GP for at least 2 years to qualify.
Guaranteed acceptance if you meet both criteria above. No medical questions. No health assessment.

Real accidents. Real people. Real payouts.

Over 2,000 policyholders covered. 96%+ of claims paid. Here’s what happened when they needed us.

What happens if you can’t work tomorrow?

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.

ACCIDENT COVER

Budget-friendly protection for accidents only, sickness not included.

What’s covered: 

SPORTS COVER

Income cover for sports injuries that stop you from playing.

What’s covered: 

FULL PROTECTION
(ACCIDENT + SICKNESS)

Complete coverage for accidents and illness combined.

What’s covered: 

THE SERVICE WAS 10/10

The service was 10/10, extremely quick responses and very friendly staff. From the start they have been nothing but helpful.

Over 96% claims ARE paid out!

Proper cover with proper payouts. No BS – just protection how and when you need it.

HOW IT WORKS

From injury to payout in 3 simple steps

STEP 1

APPLY (60 SECONDS)

Tell us your age, job, and which coverage level you want.

STEP 2

GET COVERED

Fill in an online form in under 2 minutes and get instant confirmation.

STEP 3

GET PAID

Get paid in 14 days with sickness and recovery support.

We thought you might ask...

After 14 days of your claim being approved.

Yes! Accident Cover applies regardless of employment status.

Three months from the date you’re unable to work due to the accident.

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.

No, this isn’t a contract or a minimum term policy, you can cancel by contacting our team on info@lifewithoutlemons.co.uk

Yes absolutely, we are authorised and regulated by the FCA (Firm reference 998436) and the policy is provided by our partners National Friendly.

One accident. That’s all it takes.

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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