Quote Summary

Monthly Premium

Cover Included


About Metlife and EverydayProtect

MetLife have been around for over 140 years. In fact, they were the first life company to pay a claim on the sinking of the Titanic!

EverydayProtect from MetLife provides cover for a wide range of accidental injuries from broken bones to those that could have a significant impact on your life. It also covers you if you have to spend time in a UK hospital. The optional covers for children, active lifestyles and healthcare allow you to tailor your protection to your needs.

What is insured?

Under EverydayProtect you are insured for:

  • Broken bones – caused by an accident
  • Accidental permanent injuries
  • Accidental total permanent disablement
  • Accidental death
  • UK hospital stays from accidents – from 12 months you are also covered for hospital stays from sickness
  • Death from non-accidental causes (funeral benefit)

The policy offers some optional cover:

Child Cover

  • Covers the same as above for children (except funeral benefit)
  • Covers diagnosis of cancer

Active Lifestyle Cover

  • Covers specific dislocations, tendon ruptures or complete ligament tears as a result of an accident

Healthcare Cover

  • Covers diagnosis of a specific infectious illness

Click here to return to your quotes and change the optional cover selected.

What is not insured?

The following are the most significant exclusions under the policy:

  • Actual or attempted suicide or self-inflicted injury
  • Active participation in an actual or attempted illegal act
  • Participation in some sporting activities including playing professional sport
  • Participation in a contest of speed such as motorsport
  • War or act of foreign enemy
  • Aerial flight (other than as fare-paying passenger)
  • Where alcohol was a significant factor
  • Certain tasks undertaken during employment or self-employment
  • Any form of military service
  • Hospital stays in non-UK hospitals
  • Hospital stays for optional surgery
  • Hospital stays for pregnancy and childbirth
  • Broken bones are not covered if caused by osteoporosis, brittle bone disease, or other degenerative bone disorder
  • Psychiatric illness, depression, mental or nervous disorders or stress-related conditions
  • Mountaineering
  • Outdoor climbing or rock climbing
  • Potholing

Are there any restrictions on cover?

  • The maximum payable for UK hospital stays is 90 days per condition
  • Active Lifestyle Cover and Healthcare Cover can only be added at the start of the policy
  • Active Lifestyle Cover covers one dislocation and one tendon rupture or ligament tear in a policy year
  • Dislocations and tendon ruptures under Active Lifestyle Cover are only covered where surgical intervention takes place

Before You Start

  I have read and understood the MetLife EverydayProtect Policy Terms And Conditions.
  I have read and understood the MetLife EverydayProtect Policy Summary and Additional Important Information Document and I am happy with what is and isn't covered and understand my cancellation rights.
  I confirm that I have read the MetLife EverydayProtect Policy Brochure. I understand the policy provides a lump sum payment, at the level of cover I select, if I suffer an accidental injury specified in the policy.