Two fifths believe protection won't cover everyday risks

Nearly half (49%) do not know whether their policies will cover these risks, despite more than 600,000 people suffering from broken bones each year.

The research found that boys have a 30% chance of breaking a bone before the age of 18 while girls have a 19% chance. Furthermore, research shows that 66% of boys and 40% of girls will sustain a fracture before their 15th birthday.

MetLife’s MultiProtect specifically covers broken bones, including fractures and chips. Adults can receive payouts of up to £3,750 per major broken bone and a Child Cover benefit can be added on to cover all children.

Around 56% of MetLife’s broken bones claims last year were for adults while 44% were for children.

Richard Horner, head of individual protection, MetLife UK said: “There is a clear need for policies which cover fractures. The risk of breaking bones is unfortunately a real one for many, with around 600,000 reported each year.

"Fractures can have a major impact on everyday life so it makes sense to have affordable cover which pays out and enables people to concentrate on getting better without having to worry about their finances.

"Advisers are the key to helping customers find products that meet their needs. The advisers that partner with MetLife to offer MultiProtect know that it’s the everyday risks that are often overlooked."