Protection for Every Moment Life Throws at You

Affordable protection for when accidents, injuries, and illness hit. Built for athletes, students, your sport and your family.

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Get protection online in minutes

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Claims often paid within days

"Straightforward protection, built for real life. Accidents and injuries don't wait for a convenient moment."

Pete Watson

Co-Founder at RCover

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Get protection online in minutes

24669122

Claims often paid within days

"Straightforward protection, built for real life. Accidents and injuries don't wait for a convenient moment."

Pete Watson

Co-Founder at RCover

Meet Rcover

Getting protected is as easy as 1, 2, 3.

AI workflow automation dashboard showing Gmail trigger, CRM update, and Slack notification steps connected in an automated workflow.

Choose your cover

Pick between 1 and 5 units of cover, starting from £11 to £51 a month. The more units = bigger payouts.

AI productivity dashboard with task management, smart prioritization, progress tracking, and contextual workflow recommendations.

Personalise it

Add Active Lifestyle Cover from £2/month to £6/month and/or Child Cover from £2/month. Cover what matters to you most.

AI assistant interface providing smart suggestions, deadline reminders, task summaries, and contextual productivity guidance.

Enter your details

No he questions. No premium hikes when you claim. Your cover works from day one.

AI assistant interface providing smart suggestions, deadline reminders, task summaries, and contextual productivity guidance.

Enter your details

No health questions. No premium hikes when you claim. Your cover works from day one.

Potection

Cover that works as hard as you do.

Dashboard showing Task progress insights

Covers accidents on and off the pitch

Broken Bones & Injuries

Sprained it, snapped it, fractured it? We pay out per broken bone — up to £5,000 — even if you break more than one at a time.

Task progress insights

Covers accidents on and off the pitch

Broken Bones & Injuries

Sprained it, snapped it, fractured it? We pay out per broken bone — up to £5,000 — even if you break more than one at a time.

Task progress insights

Covers accidents on and off the pitch

Broken Bones & Injuries

Sprained it, snapped it, fractured it? We pay out per broken bone — up to £5,000 — even if you break more than one at a time.

Child Cover

Because your kids take knocks too. Covers broken bones, hospitalisation, and cancer diagnosis. From birth to their 23rd birthday.

Add-on from £2/month

AI workflow automation interface showing automated task assignments, project ownership, and intelligent workflow suggestions.
Workflow Automation

Add-on from £2/month

Child Cover

Because your kids take knocks too. Covers broken bones, hospitalisation, and cancer diagnosis. From birth to their 23rd birthday.

Workflow Automation

Add-on from £2/month

Child Cover

Because your kids take knocks too. Covers broken bones, hospitalisation, and cancer diagnosis. From birth to their 23rd birthday.

AI productivity dashboard displaying task tracking, team management, analytics charts, and data-driven decision support tools.

Add-on from £1/month

Active Lifestyle Cover

Built for people who actually move. Covers the injuries that hold you back the most. Tendon ruptures & ligament tears covered

AI productivity dashboard displaying task tracking, team management, analytics charts, and data-driven decision support tools.

Add-on from £1/month

Active Lifestyle Cover

Built for people who actually move. Covers the injuries that hold you back the most. Tendon ruptures & ligament tears covered

Research and insights in one view

Add-on from £1/month

Active Lifestyle Cover

Built for people who actually move. Covers the injuries that hold you back the most. Tendon ruptures & ligament tears covered

Serious Injury & Death Cover

For the worst moments. Accidental death cover and permanent injury cover, giving you and your family real peace of mind.

Permanent injury cover up to £125,000

AI team collaboration workspace with real-time communication, project coordination, and workflow management features.
Live collaboration to scale fast

Permanent injury cover up to £125,000

Serious Injury & Death Cover

For the worst moments. Accidental death cover and permanent injury cover, giving you and your family real peace of mind.

Live collaboration to scale fast

Permanent injury cover up to £125,000

Serious Injury & Death Cover

For the worst moments. Accidental death cover and permanent injury cover, giving you and your family real peace of mind.

AI productivity dashboard displaying task tracking, team management, analytics charts, and data-driven decision support tools.

Up to £250 per 24-hour period

Hospital Stays

Every 24 hours you spend as a hospital in-patient puts money back in your pocket — whether it's from an accident or illness.

AI productivity dashboard displaying task tracking, team management, analytics charts, and data-driven decision support tools.

Up to £250 per 24-hour period

Hospital Stays

Every 24 hours you spend as a hospital in-patient puts money back in your pocket — whether it's from an accident or illness.

Research and insights in one view

Up to £250 per 24-hour period

Hospital Stays

Every 24 hours you spend as a hospital in-patient puts money back in your pocket — whether it's from an accident or illness.

Are you a sports club or organisation?

Most clubs have public liability insurance. That protects the club if someone gets hurt on your premises. But what about your players? Individual personal protection for every player on your books, at a price that actually makes sense.

Protect your whole squad from £10/month per player

AI team collaboration workspace with real-time communication, project coordination, and workflow management features.
Live collaboration to scale fast

Protect your whole squad from £10/month per player

Are you a sports club or organisation?

Most clubs have public liability insurance. That protects the club if someone gets hurt on your premises. But what about your players? Individual personal protection for every player on your books, at a price that actually makes sense.

Live collaboration to scale fast

Protect your whole squad

Are you a sports club or organisation?

Most clubs have public liability insurance. That protects the club if someone gets hurt on your premises. But what about your players? Individual personal protection for every player on your books, at a price that actually makes sense.

Built for you

Whatever your life looks like,
we fit in it.

Whatever your life looks like,
we fit in it.


Active People

Cyclists, runners, racket sports, rugby players. Active Lifestyle Cover means a torn ligament or snapped tendon won't wreck your finances alongside your season.

Students

You've got enough to worry about. From a broken wrist at freshers to a hospital stay far from home. We pay you directly, fast, for as little as £11/month.

Blue Light

Paramedics, police, firefighters. You run towards danger so others don't have to. We'll make sure that if something happens to you on or off duty, you're covered.

Families

Accidents happen on the sofa, on the stairs, walking the dog and on the school run. Core Cover protects you and optional Child Cover protects your kids from birth to age 23.

Self-employed

Cover to keep you on course. Being self-employed, comes with the importance of having financial provisions in place to protect both your family and your livelihood.

Self-employed

Cover to keep you on course. Being self-employed, comes with the importance of having financial provisions in place to protect both your family and your livelihood.

Sports Teams / Organisations

From broken bones to hospital stays, give your people the cover that means they can face the unexpected without the financial stress and get back to doing what they do best, faster.

Sports Teams / Organisations

From broken bones to hospital stays, give your people the cover that means they can face the unexpected without the financial stress and get back to doing what they do best, faster.

Whether you're into sports, a parent, an outdoor enthusiast, a manual worker, or just someone who wants peace of mind. We have you covered. No health questions. No exclusions for pre-existing conditions on accident claims.

Pricing

Choose the plan that matches your purpose

Students & Blue Light

20% OFF First Year*

Core Cover

From £11

/month

A simple starting point to cover for life's unexpected knocks.

Features

1 -5 Units (£11/month to £51/month)

More units = higher level of benefits

Covers broken bones, hospitalisation,

accidential permanent injury & death

Active Lifestyle Cover

Most Popular

From £2

From £2

/month

Don't let an inuury slow you down. Train hard. We've got your back.

Features

Everything in Core Cover

Add-on with Core Cover

Dislocation (excluding fingers, thumbs

and toes)

Ligament tear - complete (grade 3) tear

of knee or ankle joint ligament

Ligament tear - partial (grade 2) tear of

knee or ankle joint ligament

Tendon rupture (to Achilles, hamstring,

bicep brachii (upper arm), quadriceps,

or rotator cuff)

Child Cover (Add-on)

From £2

/month

Cover that grows with your child.

Features

An adult Core Cover policy is needed

Protection for children from birth until

their 23rd birthday

Children do not need to live with the

policyholder.

Students & Blue Light

20% OFF First Year*

Core Cover

From £11

/month

A simple starting point to cover for life's unexpected knocks.

Features

1 -5 Units (£11/month to £51/month)

More units = higher level of benefits

Covers broken bones, hospitalisation,

accidential permanent injury & death

Active Lifestyle Cover

Most Popular

From £2

From £2

/month

Don't let an inuury slow you down. Train hard. We've got your back.

Features

Everything in Core Cover

Add-on with Core Cover

Dislocation (excluding fingers, thumbs

and toes)

Ligament tear - complete (grade 3) tear

of knee or ankle joint ligament

Ligament tear - partial (grade 2) tear of

knee or ankle joint ligament

Tendon rupture (to Achilles, hamstring,

bicep brachii (upper arm), quadriceps,

or rotator cuff)

Child Cover (Add-on)

From £2

/month

Cover that grows with your child.

Features

An adult Core Cover policy is needed

Protection for children from birth until

their 23rd birthday

Children do not need to live with the

policyholder.

Students & Blue Light

20% OFF First Year*

Core Cover

From £11

/month

A simple starting point to cover for life's unexpected knocks.

Features

1 -5 Units (£11/month to £51/month)

More units = higher level of benefits

Covers broken bones, hospitalisation,

accidential permanent injury & death

Active Lifestyle Cover

Most Popular

From £2

From £2

/month

Don't let an inuury slow you down. Train hard. We've got your back.

Features

Everything in Core Cover

Add-on with Core Cover

Dislocation (excluding fingers, thumbs

and toes)

Ligament tear - complete (grade 3) tear

of knee or ankle joint ligament

Ligament tear - partial (grade 2) tear of

knee or ankle joint ligament

Tendon rupture (to Achilles, hamstring,

bicep brachii (upper arm), quadriceps,

or rotator cuff)

Child Cover (Add-on)

From £2

/month

Cover that grows with your child.

Features

An adult Core Cover policy is needed

Protection for children from birth until

their 23rd birthday

Children do not need to live with the

policyholder.

Resourses

Key Documents


FAQ

Your questions, answered with clarity

Do I need to answer health questions to get covered?

When does my cover start?

Can I cover my children too?

What happens if i make a claim - does my premium go up?

How do I make a claim?

What extras come with the policy?

Do I need to answer health questions to get covered?

When does my cover start?

Can I cover my children too?

What happens if i make a claim - does my premium go up?

How do I make a claim?

What extras come with the policy?

RCover

Join thousands of athletes, students, and everyday people who refuse to let an injury derail their life. From £11/month. No health questions. Cancel anytime.

Ready to Say Yes to Every Day?

Created by RCover





The information provided on this website is made available for general informational purposes only and does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of regulated advice. Nothing contained on this website constitutes, or should be construed as, a recommendation, solicitation, offer, or invitation to buy, sell, or hold any financial instrument or to engage in any investment strategy. This communication does not constitute a financial promotion.


Wellbeing Support Centre is a range of health and wellbeing advice and support services, provided to MetLife policyholders and their families by Health Assured Limited (No.6314620) registered in England at the Peninsula, Victoria Place, Manchester M4 4FB. This is an added benefit and not part of your insurance contract and MetLife reserves the right to amend or withdraw the service at any time.


GP24 is a healthcare and health advice service provided to MetLife policyholders and their families by Health Hero Solutions Limited, trading as HealthHero, Registered at 10 Upper Berkeley Street, London, W1H 7PE (No.10675063). This is an added benefit and not part of your insurance contract and MetLife reserves the right to amend or withdraw the services at any time.


RCover is the trading style of Xenon Wealth Ltd, registered in England & Wales. Company No. 17273527. Registered address: 75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. EverydayProtect is underwritten by MetLife Europe d.a.c.


Products and services are offered by MetLife Europe d.a.c. which is an affiliate of MetLife, Inc. and operates under the “MetLife” brand. MetLife Europe d.a.c. is a private company limited by shares, registered in Ireland under company number 415123. Registered office at 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. UK branch office at Invicta House, Trafalgar Place, Brighton BN1 4FR. Branch establishment number: BR008866. MetLife Europe d.a.c. (trading as MetLife) is authorised and regulated by Central Bank of Ireland. Authorised by the Prudential Regulation Authority in the UK. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in the UK. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Ready to Say Yes to Every Day?

Created by RCover





The information provided on this website is made available for general informational purposes only and does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of regulated advice. Nothing contained on this website constitutes, or should be construed as, a recommendation, solicitation, offer, or invitation to buy, sell, or hold any financial instrument or to engage in any investment strategy. This communication does not constitute a financial promotion.


Wellbeing Support Centre is a range of health and wellbeing advice and support services, provided to MetLife policyholders and their families by Health Assured Limited (No.6314620) registered in England at the Peninsula, Victoria Place, Manchester M4 4FB. This is an added benefit and not part of your insurance contract and MetLife reserves the right to amend or withdraw the service at any time.


GP24 is a healthcare and health advice service provided to MetLife policyholders and their families by Health Hero Solutions Limited, trading as HealthHero, Registered at 10 Upper Berkeley Street, London, W1H 7PE (No.10675063). This is an added benefit and not part of your insurance contract and MetLife reserves the right to amend or withdraw the services at any time.


RCover is the trading style of Xenon Wealth Ltd, registered in England & Wales. Company No. 17273527. Registered address: 75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. EverydayProtect is underwritten by MetLife Europe d.a.c.


Products and services are offered by MetLife Europe d.a.c. which is an affiliate of MetLife, Inc. and operates under the “MetLife” brand. MetLife Europe d.a.c. is a private company limited by shares, registered in Ireland under company number 415123. Registered office at 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. UK branch office at Invicta House, Trafalgar Place, Brighton BN1 4FR. Branch establishment number: BR008866. MetLife Europe d.a.c. (trading as MetLife) is authorised and regulated by Central Bank of Ireland. Authorised by the Prudential Regulation Authority in the UK. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in the UK. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Ready to Say Yes to Every Day?

Created by RCover




The information provided on this website is made available for general informational purposes only and does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of regulated advice. Nothing contained on this website constitutes, or should be construed as, a recommendation, solicitation, offer, or invitation to buy, sell, or hold any financial instrument or to engage in any investment strategy. This communication does not constitute a financial promotion.


Wellbeing Support Centre is a range of health and wellbeing advice and support services, provided to MetLife policyholders and their families by Health Assured Limited (No.6314620) registered in England at the Peninsula, Victoria Place, Manchester M4 4FB. This is an added benefit and not part of your insurance contract and MetLife reserves the right to amend or withdraw the service at any time.


GP24 is a healthcare and health advice service provided to MetLife policyholders and their families by Health Hero Solutions Limited, trading as HealthHero, Registered at 10 Upper Berkeley Street, London, W1H 7PE (No.10675063). This is an added benefit and not part of your insurance contract and MetLife reserves the right to amend or withdraw the services at any time.


RCover is the trading name of Xenon Wealth Ltd, registered in England & Wales. Company No. xxxxxxxx. Registered address: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. EverydayProtect is underwritten by MetLife Europe d.a.c.


Products and services are offered by MetLife Europe d.a.c. which is an affiliate of MetLife, Inc. and operates under the “MetLife” brand. MetLife Europe d.a.c. is a private company limited by shares, registered in Ireland under company number 415123. Registered office at 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. UK branch office at Invicta House, Trafalgar Place, Brighton BN1 4FR. Branch establishment number: BR008866. MetLife Europe d.a.c. (trading as MetLife) is authorised and regulated by Central Bank of Ireland. Authorised by the Prudential Regulation Authority in the UK. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in the UK. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.