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Personal accident cover

Personal accident car insurance

Is personal accident insurance just another unwelcome aspect of so-called ‘compensation culture’, or is it a useful add-on to your car insurance

By Mehdi Punjwani

Updated: 30 September 2021

Male driver

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What is personal accident cover?

It’s not just bonnets and bumpers that can get damaged in a car accident – there’s always the chance of a life-changing personal injury. That’s where personal accident cover can help. Personal accident cover, also known as personal injury cover, is an add-on to your car insurance policy that doesn’t just protect your car, but you – the driver.

If there’s an accident on the road and you’re badly injured, disabled, or killed, personal accident cover makes sure that you or your loved ones will get a payout. This helps make up for any extra expenses as a result of the accident. If you’re no longer able to work, you’ll get compensation for lost income too. And you’ll still get the money, no matter whose fault the accident was. What does personal accident cover do?

It’s designed to be there as a financial back-up should you or your partner become unable to work, or if you find yourselves otherwise out of pocket, as a result of a severe injury.

How does personal accident cover work?

Every personal accident policy works slightly differently – but they’ll all insure you against injuries or fatalities while you’re driving.

You’ll only need to use your personal accident cover if you can’t claim on another person’s insurance. So if you’re in an accident and it’s found to be the other driver’s fault, their third party insurance will pay out to you. But if the accident was your fault, then you’re not covered for any injuries – unless you have personal accident cover.

Do I need personal accident cover?

Personal accident cover isn’t mandatory, and it does often cost a little extra – but you can’t put a price on peace of mind. If you get in a serious accident, you might need expensive rehab, or you could even lose your work – but personal accident cover can help you recoup those costs.

Still, you might not need to take out personal accident cover separately – if you have fully comprehensive car insurance, your policy might already include it. It’s always best to check first though: data from MoneySuperMarket shows that 32% of car insurance policies don’t have it as standard. This doesn’t always mean you need to get a new policy though – your insurer might offer it as an optional add-on.What does personal accident insurance protect against?

What protection does personal accident cover give me?

Personal accident cover protects you against injuries or death as a result of a car accident. It’ll help pay out for medical costs if you’re injured, and it’ll compensate you if you’re temporarily or permanently disabled. You’ll also get compensation if you lose some or all of your income as a result of the accident. And should the worst happen, personal accident cover will help your loved ones deal with funeral costs if you die. 

But all personal accident policies will only pay out up to a certain amount, so make sure you’re aware of how much you’re insured for when you choose a policy. They’ll also pay out different amounts for different injuries – for instance, you’ll get more compensation if you’re blinded in an accident, and less if you lose a finger or a toe.

What types of accidents are covered?

Personal accident cover helps protect you if there’s a truly serious injury – it doesn’t usually pay out for minor breaks or sprains. In general, when you get personal accident cover, this is what you’ll be insured against:

  • Permanent blindness in one or both of your eyes
  • Losing any of your limbs, if they have to be amputated
  • Being unable to use any of your limbs – eg, from paralysis
  • Total disablement
  • Death

But not all insurers are the same – any good personal accident cover policy will cover all of the above, but some might also include some of the following:

  • Loss of hearing in one or both ears
  • Loss of fingers or toes
  • Loss of speech
  • Burn damage
  • Scarring
 

What isn't covered?

Personal accident cover doesn’t pay out in all cases, though. Minor injuries and sprains aren’t usually included – and you might find it hard to get a lump sum for psychological trauma. But most of all, you won’t be covered if you haven’t taken important safety precautions.

If you’re injured in an accident and you weren’t wearing your seatbelt, it’s unlikely you’ll get compensation. Similarly, insurers won’t pay out if you’ve been driving under the influence of drugs or alcohol. And if it’s found that you deliberately injured yourself, your insurance will be invalidated. 

How much does personal accident cover cost?

In many cases, the cost of personal accident cover is already baked in to your car insurance policy. But otherwise, it’s not too expensive – usually an extra £20 or £30 a year (although prices are a little higher for motorcyclists).

Keep in mind that suffering a serious accident can come with some serious expenses – so while it’s a little less money in your pocket, it’s well worth the added protection. 

What should I look out for when taking out personal accident cover?

Every personal accident policy is different, so when you’re finding cover you should check carefully to make sure it meets your needs. Some questions to consider:

  • What does it cover? Personal accident cover will only pay out for certain injuries – but every insurer has their own list
  • How much am I insured for? Most policies will give you a lump sum of around £5,000, but some will offer up to £100,000
  • Who else is covered? Many insurers will cover named drivers, even if they’re not the one behind the wheel. Others will also protect any family members in the car
  • What situations are included? You might be protected if you’re getting in or out of your car when an accident occurs, or if something happens when you’re waiting for help by the side of the road
  • Where am I protected? Does your insurance only cover you if you’re driving in the UK, or is there international protection too?

Should I take personal accident cover out separately?

Since many insurers bundle up personal accident cover with their fully comprehensive car insurance, or offer it as an optional add-on, many people choose to stick with their usual provider. But it’s worth having a look at the market to see if you could get better coverage by taking out personal accident cover separately.

Sometimes, when personal accident cover is offered as an add-on, it’s a little more limited than when you get it separately. You might be protected against fewer injuries, or your family members could be excluded. It might be the case that an add-on offers everything you need – but it’s never a bad idea to see what other deals are out there. 

Compare car insurance quotes with MoneySuperMarket

It’s easy to find personal accident cover that gives you all the protection you need with MoneySuperMarket. When you search for great deals on car insurance, we’ll always let you know if personal injuries are included, and how much you’ll be covered for. Plus, we’ll give you quotes from over 110 of the UK’s leading providers – simply give us a few details about yourself and your car, and see how much you could save.

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