From
£89/year
Trustpilot
4.7/5
Reviews
3,465+
Excess
£100 (property)
Reviewed by Karen Purnell, Editor · Last checked 11 September 2026
Fish Insurance is a specialist disability insurer with more than 50 years' experience, and its carer and personal assistant policy is designed specifically for self-employed carers and PAs, and for those providing support duties for an employer.
Is Fish Insurance carers insurance any good?
Fish Insurance holds an “Excellent” rating on Trustpilot at 4.7/5 from more than 3,465 reviews, with 82% of reviews rated 5 stars — a strong, well-established independent score, though slightly behind Surewise and Mark Bates on this comparison.
How much does Fish Insurance carers insurance cost?
Fish Insurance advertises its carer and PA cover from £89 a year, making it the highest headline price of the four we compare, though it also carries some of the highest cover limits.
What does Fish Insurance cover?
Fish Insurance's carer and PA policy includes:
- Public liability up to £5 million
- Personal accident cover up to £10,000, including a hospital allowance
- Accidental property damage (£100 excess applies)
- Cover for errors and omissions in medical treatment you're qualified to perform
- Legal defence costs for Food Safety or Health & Safety Act breaches
- House alteration costs following total disability from an accident
Maximum annual claim is capped at £50,000. Exclusions include deliberately caused injury or damage, services performed without proper training, dangerous activities, accidents involving drunkenness, and fines or penalties.
Fish Insurance pros and cons
Pros
- £5m public liability and a £10,000 personal accident allowance with hospital benefit
- Covers errors and omissions in qualified medical treatment — useful for carers doing health-related tasks
- Strong, well-established Trustpilot score from a large review base
- 50+ years' specialist experience in disability and care insurance
Cons
- Highest headline price of the four providers we compare
- £100 excess applies to accidental property damage claims
- Annual claims capped at £50,000 in total
- No cover for dangerous activities or services performed without proper training
Our verdict on Fish Insurance
Fish Insurance costs more than the other providers here, but it backs that up with higher personal accident cover, a hospital allowance, and specific protection for medical-treatment errors — worth the extra if you provide health-related care tasks. A strong, long-established Trustpilot score adds confidence.
Pricing and review scores correct at time of writing (September 2026) and sourced from Fish Insurance's own website and Trustpilot. Policy terms and prices are set by Fish Insurance and may change — always check current details directly with the provider before buying.