Personal accident and sickness insurance covers you for lost income due to an injury or illness that prevents you from working. It also includes cover against death and permanent injury or disablement with a capital sum insured.
Cover for lost income if an injury or illness stops you working. 24-hour worldwide cover, 365 days a year, with no complicated forms or medical tests to apply.
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Accident only, illness only, or accident and illness – weekly income plus death and permanent disablement benefits
Policies can differ greatly between insurers, so it pays not to focus purely on price. We compare 10+ insurers and do the extra work to find the best-value cover and the right protection for you.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with options that fit your work and the income you need to protect. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
Policies differ greatly between insurers. We do the extra work to make sure you get the right protection, not just the lowest price.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and adjust your cover and pricing as your income and work change.
Notify a claim 24/7. Our team deals with the insurer for you, so you can focus on getting better.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from people and businesses we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“Dan Stewart organised everything for me including personal injury/ workers comp insurance with less than 24 hours notice. Great work mate, you turned a painful experience into a great and relatively easy experience”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Choose the level of cover that suits you. Policy options and adjustments are available to get the cover and pricing right.
Weekly income if an injury or illness stops you working, plus a payout for death or permanent disablement.
Quote accident & illnessCover for lost income and death or permanent disablement caused by an injury.
Quote accident onlyReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We specialise in insurance for accident and illness.
Personal accident and sickness insurance covers you for lost income due to an injury or illness that prevents you from working. It also includes cover against death and permanent injury or disablement with a capital sum insured.
You should consider this insurance if you are not covered by WorkCover and need to protect your income should an injury or sickness occur. Ask yourself: if you were injured or fell sick – even off the clock – could you keep paying yourself? If the answer is no, you need to consider personal accident and illness insurance.
Yes. Personal accident insurance covers you 24 hours a day, 365 days a year – even when you're not on the job, and even if you're overseas on holiday.
No. You can organise cover quickly with no complicated forms or medical tests. Keep in mind, though, that pre-existing conditions are excluded.
Accident only cover responds when an injury stops you working. Illness only cover responds when sickness stops you working. Accident and illness cover combines both. We'll help you choose the right option for your situation.
Yes. Monthly funding options are available, so you can get insured and keep your cash flow. Agreed value options are also available.
Contact us at Shielded Insurance on 1800 97 98 99 – you can notify a claim 24/7. We'll guide you through the claims process and deal with the insurer for you.