Figures from Friends Life have shown that in 2014 men made up 87% of claims for broken bones while women made up 13% of these claims.
Friends Life paid out more than double the 2013 amount for fractures in 2014, a total of £550,800 was paid to customers.
Friends Life policyholders are 60% male and 40% female, although some customers hold multiple policies.
The youngest claimant was 19, while the oldest was 71. Fracture Cover is an optional extra available with any Friends Life Protect+ policy.
Chris Pollard, head of underwriting, claims & customer services at Friends Life, said: "It's difficult to explain exactly why men seem so much more accident prone than women.
"As the majority of claims were sport-related injuries it might be to do with men's tendency to show off - a trait many men are all too familiar with.
"Or in reality it could be that women are just a lot more careful and a lot more sensible than men and don't put themselves in the position where something might break."
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