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Take the First Step: Request Your Quote Today!

Ready to safeguard your passion with Love My Club? Fill out the quote form now, and let’s start the journey towards comprehensive, affordable, and community-driven insurance coverage. Your passion deserves the best protection, and Love My Club is here to provide just that.

If you’re interested in learning more or arranging a one-on-one discussion to explore how we can assist your club, please reach out to Love My Club via our contact page.

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    Applicant Details

    Please fill in this short form to receive instant Accident Protection quotes. Please ensure you have read:

    1. Love My Club - IDD [pdf]
    2. EverydayProtect T&Cs [pdf]
    3. EverydayProtect Policy Summary [pdf]
    4. EverydayProtect Brochure [pdf]

    Full Name



    Date Of Birth



    Contact Details

    Your email address is required to send you details of your quote and policy information. We will only use your details to help you with this enquiry. Your number will not be used for future marketing unless you specifically ask us to include you later on. If you do not agree to be contacted please leave the box empty.


    Monthly Amount

    How much would you like to pay each month for the cover?

    The more you pay the bigger the pay-outs. You can always change this amount later.

    Additional Cover

    Offers a wide range of benefits including children’s cancer cover, and provides protection for all your dependent children aged 6 months to 18 years, or up to 23 years if your child is in full-time education. Please see terms and conditions for details and exclusions.

    Please read the following information about sports coverage before proceeding.

    Are extreme sports covered?

    All main non professional sports such as Rugby, Football, Hockey, Cycling, American Football and Cricket are fully covered. MetLife cover the following extreme sports as long as the activity is not being undertaken as a professional sport: bungee jumping, skydiving, mixed martial arts, karate, kite surfing, scuba diving, white collar boxing and cage fighting. However, wing-suiting and paragliding are excluded.

    Which leisure activities are not covered?

    • Participation in a contest of speed such as motorsport
    • Mountaineering
    • Outdoor climbing or rock climbing
    • Potholing or professional sport
    • Aerial flights

    Anyone is free to take part in these activities, however, if bodily injury results from an accident while the policy holder is doing one of these activities, no claim will be paid.

    24/7 Worldwide Cover for when you are working or playing non professional sport.

    Get the freedom to enjoy life without the worry of what might happen if you're ill, injured or need to spend time in hospital.

    Core Cover
    Monthly Cost £12 £24 £36 £40 £54
    Broken bones
    Major (arm, ankle, back, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist) £850 £1,600 £2,400 £3,200 £4,000
    Minor (any other) excluding the nose £200 £400 £600 £800 £1,000
    Hospitalisation (per 24-hour period) as a result of accident or sickness
    Hospital admission due to sickness is covered after you’ve had your policy for 12 months £50 £100 £150 £200 £250
    Accidental permanent injury
    Paralysis of limbs - total and irreversible £50,000 £100,000 £150,000 £200,000 £250,000
    Blindness - permanent and irreversible in both eyes £40,000 £80,000 £120,000 £160,000 £200,000
    Loss of hands or feet - permanent physical severance £40,000 £80,000 £120,000 £160,000 £200,000
    Deafness - permanent and irreversible in both ears £40,000 £80,000 £120,000 £160,000 £200,000
    Loss of use of elbow, hip, shoulder, knee, ankle, wrist £20,000 £40,000 £60,000 £80,000 £100,000
    Loss of one hand or foot - permanent physical severance £20,000 £40,000 £60,000 £80,000 £100,000
    Loss of thumb £10,000 £20,000 £30,000 £40,000 £50,000
    Deafness - permanent and irreversible in one ear £10,000 £20,000 £30,000 £40,000 £50,000
    Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) £10,000 £20,000 £30,000 £40,000 £50,000
    Blindness - permanent and irreversible in one eye £10,000 £20,000 £30,000 £40,000 £50,000
    Loss of speech - permanent and irreversible £10,000 £20,000 £30,000 £40,000 £50,000
    Third-degree burns - covering 20% of the body’s surface area £10,000 £20,000 £30,000 £40,000 £50,000
    Loss of finger or toe £2,500 £5,000 £7,500 £10,000 £12,500
    Total permanent disablement
    Unable to look after yourself ever again (bodily injury only) £50,000 £100,000 £150,000 £200,000 £250,000
    Accidental death
      £40,000 £80,000 £120,000 £160,000 £200,000
    Non-accidental death
    Within 1 year Premiums refunded Premiums refunded Premiums refunded Premiums refunded Premiums refunded
    Year 2 £1,000 £2,000 £3,000 £4,000 £5,000
    Years 3 - 4 £1,500 £3,000 £4,500 £6,000 £7,500
    Year 5 + £2,000 £4,000 £6,000 £8,000 £10,000

    Child Cover
    Broken bones
    Major (arm, ankle, back, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist) £250 £500 £750 £1,000 £1,250
    Minor (any other) excluding the nose £50 £100 £150 £200 £250
    Hospitalisation (per 24-hour period) as a result of accident or sickness
    Hospital admission due to sickness is covered once the Child Cover has been held for at least 12 months £20 £40 £60 £80 £100
    Accidental permanent injury
    Paralysis of limbs - total and irreversible £5,000 £10,000 £15,000 £20,000 £25,000
    Blindness - permanent and irreversible in both eyes £4,000 £8,000 £12,000 £16,000 £20,000
    Loss of hands or feet - permanent physical severance £4,000 £8,000 £12,000 £16,000 £20,000
    Deafness - permanent and irreversible in both ears £2,000 £4,000 £6,000 £8,000 £10,000
    Loss of one hand or foot - permanent physical severance £2,000 £4,000 £6,000 £8,000 £10,000
    Loss of use of elbow, hip, shoulder, knee, ankle, wrist £2,000 £4,000 £6,000 £8,000 £10,000
    Loss of thumb £1,000 £2,000 £3,000 £4,000 £5,000
    Deafness - permanent and irreversible in one ear £1,000 £2,000 £3,000 £4,000 £5,000
    Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) £1,000 £2,000 £3,000 £4,000 £5,000
    Blindness - permanent and irreversible in one eye £1,000 £2,000 £3,000 £4,000 £5,000
    Loss of speech - permanent and irreversible £1,000 £2,000 £3,000 £4,000 £5,000
    Third-degree burns - covering 20% of the body’s surface area £1,000 £2,000 £3,000 £4,000 £5,000
    Loss of finger or toe £250 £500 £750 £1,000 £1,250
    Total permanent disablement
    Unable to look after yourself ever again (bodily injury only) £5,000 £10,000 £15,000 £20,000 £25,000
    Cancer
    Excluding less advanced cases £5,000 £10,000 £15,000 £20,000 £25,000
    Accidental death
      £4,000 £8,000 £12,000 £16,000 £20,000

    Active Lifestyle Cover
    Provides additional cover for accidental injuries requiring corrective surgery such as ligament tears, tendon ruptures and dislocations.*
    Dislocations (excluding fingers, thumbs and toes) £1,000 £2,000 £3,000 £4,000 £5,000
    Ligament tear - complete (grade 3) tear of knee or ankle joint ligament £1,000 £2,000 £3,000 £4,000 £5,000
    Ligament tear - partial tear (grade 2) of knee or ankle joint ligament £500 £1,000 £1,500 £2,000 £2,500
    Tendon rupture (to Achilles, hamstring, bicep brachii (upper arm), quadriceps, or rotator cuff) £1,000 £2,000 £3,000 £4,000 £5,000

    Notes

    • Children are not covered under optional Active Lifestyle Cover or Healthcare Cover.
    • Limitations to benefits - In each policy year, Active Lifestyle Cover pays benefit for: dislocation; and / or one tendon rupture or grade 3 / grade 2 ligament tear.
    • Dislocations: only dislocations resulting in surgical intervention are covered.
    • Ligament tears: If benefit has previously been paid for a partial (grade 2) ligament tear in a policy year, benefit for a subsequent complete (grade 3) ligament tear in the same year will be the same as that paid for a partial (grade 2) ligament tear.
    • The benefit amounts payable for Core Cover are reduced by 50% from the policyholder's 70th birthday.
    • The Policy is provided by MetLife.
    • Please see the Policy Terms and Conditions for full details.

    Policy Documents

    Please see Terms and Conditions for details and exclusions.
    Your Summary
    Monthly Premium
    Annual Premium
    Decade Premium
    Max Premium payable [in when you are 70 years old]
    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:

    Active Lifestyle Cover

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

    You have selected the following optional cover: Active Lifestyle Cover.

    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

    Please read and agree, before continuing




    Your Details

    It is important to answer all questions truthfully otherwise a policy may not pay out in the event of a claim.

    Gender
    Status



    Address


    Your Employment

    Unemployment cover is not available if you are a self-employed person or a controlling director of your own business. If you fall into these categories, please return to the Quote page and remove the Unemployment Cover option.



    You should be aware that if you are working (either through their employment or self-employment) with any of the following materials or equipment at the time of the accident or sickness then you will not be covered:

    • Explosive substances or materials
    • Asbestos
    • Pneumatic drill
    • Tunnelling equipment

    In addition, you will not be covered if you are undertaking any of the following activities at the time of the accident or sickness:

    • Motorcycle couriering
    • Diving
    • Demolition
    • Underground or open cast mining
    • Quarrying
    • Involved with the maintenance or collection of oil or gas on an oil or gas rig or platform
    • Flying (e.g. pilot, air crew)

    Lastly an individual will not be covered while undertaking any form of military, army, naval or air force service.

    Payment

    Setting up your Direct Debit

    You're setting up a Direct Debit for monthly payments of . When payments are collected from your account, you'll see the name MetLife on your bank statement.

    Before continuing, please make sure you read the Direct Debit Guarantee.

    It will take a minimum of 8 working days to process the first payment. The first direct debit payment may be collected very close to the second payment. Your policy welcome pack will show the exact dates your premiums will be taken, please ensure that you check the dates and keep the pack in a safe place.

    Who will be paying?
    3rd Party


    Relationship

    MetLife only accepts third party direct debits from a spouse, partner, parent or employer.

    Bank Details



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