Accidental Injury Cover: The Low-Key MVP

The Injury Cover That’s Been Doing the Most (Quietly)

Some types of insurance make big promises — life, trauma, and income protection. But there’s one that’s been quietly showing up for our clients over and over again this year:

Accidental and specific injury cover.

It’s not flashy. You probably didn’t even know you had it. But when things go sideways, like a broken wrist, a torn ACL, or a fractured foot, this cover kicks in with a lump sum payout that can take the financial sting out of a pretty rubbish situation.

Most policies pay out up to $5,000 (sometimes more, depending on the injury). It’s fast, flexible, and doesn’t ask what you’re spending it on. You get hurt. You get paid. That's simple.

Real clients. Real claims. Just in the last couple of months:

• A 35-year-old dad got $10,560 after a foot fracture while playing with his kids.

• A 34-year-old netballer got $10,000 after breaking her ankle.

• A 39-year-old claimed $5,000 for the injury + $7,879 from income protection for a fractured wrist.

• Another netball injury (it’s always netball!) saw a 35-year-old receive $15,909 following knee surgery.

For these clients, that payout meant they could cover things like physio and surgery costs, make up for income lost while off work, or simply breathe a little easier knowing rent and bills were sorted.

Why it matters.

Injuries happen. Sometimes on the court, sometimes just chasing your toddler barefoot across the lawn. And while ACC can be helpful, it doesn’t always cover everything. You might still be out-of-pocket for treatment costs, or left short if you’re self-employed or only getting 80% of your income.

That’s where this cover fills the gap.

It’s also great alongside income protection, which usually takes a few weeks to kick in. This cover can act as your short-term buffer while you wait — no stress, no paperwork pile-up.

Not just for “serious” injuries.

A lot of these claims came from everyday accidents, not car crashes or major emergencies. Just real people, living real lives, who slipped, tripped, landed wrong, or caught an unlucky break.

And having that payout made a tough situation way more manageable.

If you’ve never heard of this cover or can’t remember if it’s part of your plan, flick us a message. We’ll check where you’re at and help you understand what it could mean for you.

Because the moment you need this stuff isn’t the moment to find out you don’t have it.

Let’s sort it now together, before your next netball game.