Aviva Fracture Cover update – November 2024
Aviva fracture cover was originally launched in 2016 to provide extra financial protection to manual workers and people in driving jobs. The optional benefit only costs £4 per month and pays out up to £6,000 for fractured bones, to help cover household bills and expenses if you couldn’t to work.
Who is this guide for?
Aviva fracture cover costs just £4 per month and it is designed to protect manual workers and delivery drivers, who might need extra financial support if they fracture a bone and need time off work to recover.
This week, Aviva has enhanced its popular fracture cover product to help more policyholders to get support as they recover from an injury. The optional benefit pays out for 18 different types of fractures and 11 of those have now been increased, and 7 pay out the maximum £6,000.
Since 2016, fracture cover from Aviva has paid out over £10 million and has helped to protect thousands of policyholders. This is also now one of the most popular benefits, with several other life insurance companies providing similar benefits.
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What is Aviva fracture cover?
Aviva life insurance, critical illness, and income protection customers can add fracture cover to their policies if they apply through an independent insurance adviser. This additional benefit can offer some peace of mind that you will receive financial support if a bone fracture prevents you from working as normal.
You will receive a pay out of between £2,000 – £6,000 depending on the specific fracture that you have. This could money could make a big difference to your household’s financial situation if you can’t work or need to work reduced hours because of your injury.
Who can apply for Aviva fracture cover?
Anyone can apply for Aviva fracture cover, but it is particularly useful for manual workers who may be more likely to get injured. According to Aviva, 7 out of 10 people who claim on fracture cover are:
- Builders
- Warehouse workers
- Factory workers
- Delivery drivers
Workers in these fields can find it more difficult to recover from fractures without needing time off work, as their job roles involve a lot of manual labour. The pay out from Aviva’s fracture cover benefit allows you to take more time off to recover without worrying about how you will pay your bills.
What does Aviva fracture cover pay out for?
Aviva will pay out up to £6,000 per bone fracture and covers 18 specific injuries which are:
*excludes fractured fingers or thumbs.
These are the latest pay out amounts announced by Aviva in November 2024, with 7 of 18 injuries now eligible for the full pay out of £6,000.
Aviva – Fracture Cover Information Document – CLICK HERE
What doesn’t Aviva fracture cover pay out for?
When you apply for Aviva fracture cover, you will be given a set list of policy exclusions. Aviva may refuse to pay out for a fracture, typically if the injury occurs during specific activities, such as:
- Mountain biking (includes BMX).
- Boxing, cage fighting, or martial arts.
- Rugby (includes Gaelic football).
- Horse riding.
- Riding a motorbike (all forms including practice on and off-road).
Other policies such as personal accident insurance will pay out in a wider range of scenarios and for a larger number of injuries and hospitalisation. If you are particularly worried about accidental injuries, it’s worth considering if a personal accident insurance policy is more suitable for you.
See our full Personal Accident Insurance guide for a full breakdown of how these policies work and all of the main pros and cons to be aware of.
Does Aviva pay out for all types of fractures?
Aviva will not pay out for hairline fractures, stress fractures, chips or microfractures and you are only covered for injuries that occur after the first 7 days of your policy.
How much does Aviva fracture cover cost?
Aviva allows you to add fracture cover to any life insurance, critical illness, or income protection policy for only £4 per month extra.
This is a small additional cost each month, but you should consider if it’s worth it for you to add this cover on and whether you are likely to make a claim. There are also certain scenarios that Aviva won’t pay out for, and standard personal accident insurance does cover more injuries and prices start from around £9 per month.
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Is Aviva fracture cover good?
Benefits like fracture cover can make a massive difference to your financial situation if you need time off work to recover from your injury. Aviva pays out a minimum of £2,000 for each valid claim, which can be used to support you and your family while you heal.
If you have added this to an existing income protection policy, this can provide an additional level of financial support for you and your household. According to Aviva’s latest figures, their most common fracture claims are for fractures to the wrist (14%), hand (13%), arm (11%), and ankle (11%).
What are the pros and cons of Aviva fracture cover?
Here are the main pros and cons of Aviva’s fracture cover benefit for new and existing customers.
Pros
- Pays out up to £6,000 if you fracture a bone to support you while you heal.
- Pays out a minimum of £2,000 for less severe fractures such as a rib or hand fracture.
- Can be easily added to a range of Aviva policies for only £4 per month.
Cons
- Doesn’t pay out for every type of bone fracture (e.g. hairline fractures).
- Won’t pay out for every potential injury or hospitalisation, which is covered by other policies like personal accident insurance.
- You might not make use of the benefit if you don’t break a bone during your policy term or your fracture isn’t eligible for a claim.
How do I claim on Aviva fracture cover?
If you need to claim on your fracture cover benefit, you should contact Aviva’s claims team immediately to start your claim. You should contact the claims team that is relevant to the type of Aviva insurance policy that you have.
If you have life insurance or critical illness cover, you will need to contact the life insurance claims team. If you have an income protection policy, you will need to contact the income protection claims team. The relevant contact details for each claims team can be found below.
Aviva fracture cover claims contact details (Life and critical illness policies)
Telephone (UK) – 0800 015 1142
Telephone (overseas) – +44 1603 603 277
Online claims – Aviva – Fracture Claim Notification Form
Opening hours – 8.00am – 6.00pm Monday to Friday
Aviva fracture cover claims contact details (Income protection policies)
Telephone – 0800 158 3105
Opening hours – 8.00am – 6.00pm Monday to Friday
Note: You can only claim for one fracture per year with Aviva fracture cover, and you can’t claim for any fractures that happen within the first 7 days of adding fracture cover to your policy.
Does Aviva fracture cover pay out?
Aviva regularly pays out for fracture cover claims, having paid out £10.4million to fracture cover customers since 2016. Aviva assesses all fracture cover claims on a case-by-case basis, and will only accept claims that match the exact definitions set out in the policy documents.
See the ‘What won’t Aviva fracture cover pay out for?‘ section to check which activities and types of fractures Aviva does not accept claims for.
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What are the main alternatives to Aviva fracture cover?
Aviva first launched fracture cover in 2016, and since then many other insurance companies have launched similar benefits. Aviva’s cover is still one of the cheapest options on the market, and our insurance experts have compare the main options for fracture cover below. As you can see the level of cover does vary between insurers, and Aviva’s cover is the most affordable at just £4 per month.
| Insurance Company | How much does it cost? | Maximum pay out | Number of fractures covered |
 | £10 – £50 per month | Up to £5,000 per broken bone | 11 major breaks, as well as minor breaks (not including nose) |
 | £5.90 per month | Up to £4,000 per year (multiple claims allowed) | 19 fractures (also covers joint dislocation, tendon ruptures and ligament tears) |
 | Automatically included with income protection policies | Up to £4,000 per year (2 claims maximum per year) | 18 fractures (no exclusions for specific activities) |
 | £6.90 per month | Up to £6,000 per year | 27 fractures (also covers joint dislocation, tendon ruptures and ligament tears) |
 | £10 – £24 per month | Up to £3,000 per year | Not specified (Also includes accidental death and income benefits) |
How do I get Aviva fracture cover?
Aviva fracture cover can be applied to any life, critical illness, or income protection policy, but you can only add this on via an experienced insurance adviser. This benefit is currently not available for customers who apply to Aviva directly.
If you are thinking about getting a new Aviva insurance policy or reviewing your cover, speak to our friendly insurance experts for free and impartial advice. You can get in touch by CLICKING HERE or calling 0800 009 6559.