Protect your income from accidents, illnesses, and mental health conditions.

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The ACC Alternative is a smart way of protecting your income – unlike ACC, it covers you for accidents and illnesses. In most cases, you’ll get three times the cover for around the same cost as your standard self-employed accident-only ACC cover.
Find out how it works


Safeguard your income from accidents and illnesses with The ACC Alternative

Did you know you’re 2.6 times more likely to be out of work for six months or more following an illness rather than an accident?

The ACC Alternative allows you to reduce your ACC accident only cover and add comprehensive Income Protection to ensure you’ll continue to receive an income if you are unable to work from an accident or illness.

The ACC Alternative is underwritten by Asteron Life which has an A+ Financial Strength Rating and was the winner of the prestigious ‘Best Life Insurance Company’ award at the World Finance Global Insurance Awards in 2015.

Find out how much cover you can secure with The ACC Alternative.
Calculate your cover


of income protection claims are
for a mental illness-related disability


chance of a male aged between 30 to 65
suffering a heart attack, cancer, or stroke