Thinking of covering children on personal accident insurance may seem logical. No child earns an income, other than pocket money or limited part time work, so they are not to protect income.
Insurers may consider cover to include children as part of a normal personal accident policy. Insurance plans purely for a child/ children, are few.
The purpose of child cover is to cover the extra expenses and temporarily loss of income that a parent suffers. The money can be used for childcare, adapting a home, special equipment or special treatment and help.
One cheap way of buying personal accident insurance for children is from your school if they offer a scheme.