Smart Children’s Cover

Help protect your family from the unimaginable

When you take out a Smart Family Life Insurance Policy, we know that you want your little ones protected if something should happen. Unfortunately, the reality is that illness and accidents can happen at any age. That’s why we offer optional Children’s Cover alongside every Smart Family Life Insurance policy, so your loved ones can have some extra protection.

For an additional premium, you can choose a benefit amount of between £10,000 and £30,000, which will be paid out if your child suffers a specified serious illness or injury, or passes away in an accident. This cover is designed to provide some financial relief from things like medical bills and rehabilitation costs if the worst should happen, so your family can focus on getting through it together.

For more information on this and other optional covers, get in touch with one of our UK-based team of specialists today for your free no-obligation quote.

Award-winning service from a dedicated UK based team

Our customers and their families are our number one priority, and what they think about our products and the service we provide really matters to us. Smart Family Life Insurance has earned a 5-star rating on Defaqto, and we're proud to have an ‘Excellent’ rating on Trustpilot. We have received the Platinum Trusted Service award from Feefo, as well as receiving their 10 Years of Excellence Trusted Service Award 2024. We’re also ranked No.1 in the market for customer experience by Fairer Finance. What’s more, The Times Money Mentor named us Best Life Insurer in their 2023 awards. We're delighted to have won this title for our affordable, accessible products.

What's covered?

Any child (up to the age of 21) that is financially dependent on you can be insured under our Children’s Cover. If your child passes away due to an accident^{^}, the additional benefit amount will be paid out. The benefit will also be paid out if your child suffers from any of these illnesses or injuries:

Bacterial meningitis resulting in permanent symptoms
Blindness – permanent and irreversible
Deafness – permanent and irreversible
Encephalitis resulting in permanent symptoms
Loss of hands or feet - permanent physical severance
Paralysis – total and irreversible
Traumatic head injury resulting in permanent symptoms

Things to keep in mind

Our Children’s Cover is not a standalone policy; it is an optional extra that can be included with your Smart Family Life Insurance
The specified illnesses and injuries above cannot be covered if the condition was known to be present at birth
Illness or injuries that happened before the start date or within the first 3 months of your policy won’t be covered – this includes instances where symptoms appeared before the start date
If the insured child passes away due to non-accidental causes within 28 days of suffering one of the specified illnesses or injuries, we cannot pay the benefit amount

View Full Policy Terms & Conditions

Things to consider

When buying life insurance there are a couple of key things to remember. Here's what you should keep in mind when you are considering your life insurance policy:

Inflation may reduce the value of your benefit amount
If you stop your monthly payments, you will get nothing back

View full policy terms & conditions

Protect the life you’ve built, the Smart way

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For new Family Life Insurance policy holders only, once a minimum of 6 successful monthly premiums have been paid and the total premiums paid exceed the face value of the gift card. View full terms and conditions. Restrictions apply, see www.amazon.co.uk/gc-legal.

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