Adulting is Hard. Insurance Doesn’t Have to Be
We’ve got you covered when life yeets the unexpected at you.
Insurance that shows up when life goes sideways
Choose Your Perfect Accident & Injury Insurance Plan
Our Accident Cover starts from just £10 a month for those under 30, making it one of the most affordable ways to protect your income and lifestyle if the unexpected happens.
Here’s a quick breakdown of pricing across age groups and cover levels:
Choose Your Perfect Accident and Injury Insurance Plan
Our Accident Cover starts from just £10 a month for those under 30, making it one of the most affordable ways to protect your income and lifestyle if the unexpected happens.
To begin, select your age group
Bronze
£10.00
Bronze+
£18.00
Silver
£16.00
Silver+
£26.00
Gold
£21.00
Gold+
£32.00
Bronze
£13.00
Bronze+
£20.00
Silver
£19.00
Silver+
£29.00
Gold
£24.00
Gold+
£38.00
Bronze
£15.00
Bronze+
£24.00
Silver
£22.00
Silver+
£37.00
Gold
£29.00
Gold+
£50.00
Bronze
£20.00
Bronze+
£34.00
Silver
£30.00
Silver+
£53.00
Gold
£40.00
Gold+
£72.00
So, what does accidental protection cover?
Sports injuries
Covers injuries sustained while playing sports – whether it’s a twisted ankle during football, a broken wrist from a tennis match, or a cycling mishap.
Accidents at home
Protection for injuries that happen in and around your home, such as slipping in the bathroom, cutting yourself while cooking, or falling down the stairs.
Accidents at work
Covers workplace mishaps, from tripping over loose cables in the office to machinery-related injuries in a warehouse.
Rehabilitation Cover
Support in case of life-changing injuries. For example, loss of a limb, loss of sight, or severe spinal damage that impacts your ability to work or live independently.
Permanent injuries
Helps with recovery costs, including physiotherapy after a fracture, occupational therapy after surgery, or specialist care following a serious accident.
Sports injuries
Covers injuries sustained while playing sports – whether it’s a twisted ankle during football, a broken wrist from a tennis match, or a cycling mishap.
Accidents at Home
Protection for injuries that happen in and around your home, such as slipping in the bathroom, cutting yourself while cooking, or falling down the stairs.
Accidents at Work
Covers workplace mishaps, from tripping over loose cables in the office to machinery-related injuries in a warehouse.
Permanent Injuries
Support in case of life-changing injuries. For example, loss of a limb, loss of sight, or severe spinal damage that impacts your ability to work or live independently.
Rehabilitation Cover
Helps with recovery costs, including physiotherapy after a fracture, occupational therapy after surgery, or specialist care following a serious accident.
What you get
How Does it Work?
01
Fill in the form
It takes just 60 seconds.
02
Get your quote
See exactly what you’ll pay & what you’re covered for.
03
Application completion
Can be completed in a few minutes – no paperwork, no medical questions.
See what our customers say
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.
JD
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!
kelly-anne bullock
Harris provided great insight into how the insurance policy works and the process was very smooth.
Mr raf Francis
The guys at life without lemons were excellent, very helpful and explained everything in full detail. I would 100% recommend these guys to anyone.
Jack
FAQs
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.
Does it include GP access?
Yes! Virtual 24/7 GP access is included for all adults and children on your plan.
Is sport included?
Yes, most everyday sports are covered, no surprise exclusions.
How long do I get paid for?
Three months from the date you’re unable to work due to the accident.
What is Accident and Injury Cover?
Accident cover is a type of income protection that keeps money coming in if you can’t work following an accident or injury.
What does it cover?
This policy covers accidents and injuries (and sickness, if selected) that prevent you from working. This can include injuries at work, sports injuries or even accidents suffered during your day to day life.
How much does it pay out?
There are three levels of cover, Bronze, Silver and Gold. The pricing comparison can be found on our home page. For example, Gold has an income payout of £2,250 per month, £3,000 for fractures and £1,000 towards rehabilitation.
How long do I get paid for?
You will receive your income payment (e.g. £2,250 on Gold cover) for 3 months. Your fracture payout and rehabilitation payouts will be in addition to this.
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.
How do I make a claim?
To claim we ask that you contact our claims team on info@lifewithoutlemons.co.uk. Please quote your policy reference in the subject heading. Alternatively you can call us on 0113 841 1600
Do you ask medical questions?
No, we don’t ask any medical questions. It’s guaranteed acceptance.
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
I’m self-employed, can I take out this policy?
Yes! You can be employed or self-employed, as long as you work 16 hours per week and have been registered with a UK GP for at least two years, you’re eligible
What does the free GP service include?
Our policies come with the free added benefit of access to our virtual GP service. It can be accessed over the phone or online 24 hours a day, 7 days a week giving you easy access to a doctor when you need their help, your family is covered too. The GP service can provide consultations, fit notes, referrals and prescriptions.
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.
