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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

Published: 10 February 2020

Male driver

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What is personal accident cover?

Personal accident cover – also known as personal accident insurance – is an optional extra type of cover you can buy with your car insurance. It’s there to protect you and your family should you sustain a serious injury or die from an accident in your car.

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.

Is personal accident cover the same as car insurance?

Personal accident cover is different from car insurance, as it doesn’t pay out for accidental damage to vehicles – but rather when you are personally injured in a collision or crash.

It’s also worth noting that this type of cover doesn’t protect you more generally against accidental injury in everyday life; it only applies when you’re involved in a car accident.

When can I make a personal accident cover claim?

This type of cover will only pay out in the event of a serious or life-changing injury, such as the loss of a limb.

Be aware that cover that comes with comprehensive car insurance will generally only pay out when you are not at fault and in your own car. If alcohol or drugs are involved in the accident, or if you are found not to have been wearing a seatbelt, the claim is unlikely to be found valid and the insurer will not normally pay out.

Some insurance companies offer an additional personal accident cover which covers you for incidents where you are not in your own car, either as driver or passenger, and will pay out even if you are at fault.

Do I need personal accident cover with my car insurance?

One of the chief benefits of the personal accident cover is its scope. Policies typically offer 24-hour protection, no matter where you are in the world. This can provide some peace of mind if your family holidays involve travelling in the family car – especially somewhere with less stringent road safety laws or a laxer attitude to observing those laws.

What does personal accident insurance protect against?

Personal Accident cover can help cover the financial cost of the following:

  • Accidental death
  • Funeral costs
  • Medical expenses
  • Temporary or total disablement
  • Corrective surgery

This type of insurance is usually included in fully comprehensive policies. As always, it’s worth checking the small print, just in case you are not covered or if the insurer offers it as an add-on to its standard cover.

How much does personal accident insurance cost?

Like any insurance, the cost of a policy depends on risk factors and how much you would require as a payout, should you make a claim. In this case, things like what you do for a living, how much driving you do, and when and where you do it will be relevant.

How much does personal accident cover pay out?

Payouts vary according to the severity of injury and the level of cover you have. Typical cover included in a standard fully comprehensive car insurance policy might pay out around £5,000 on death, though it might be more if you opted to pay an additional amount for higher cover.

Personal accident cover can help with various medical and rehabilitation costs, but it has a very specific scope, limited to accidents in cars, and therefore isn’t a substitute for more general life cover.

Is personal accident cover included in my car insurance?

The majority of car insurance policies do include accidental injury cover, meaning you’ll be able to make a claim should you be in a car accident and suffer an injury.

However, this type of cover isn’t always included by the insurer. It is sometimes offered as an optional add-on, so be sure to check the policy terms and conditions thoroughly before agreeing to any contracts. If personal accident cover is already included in your car insurance policy, double check your coverage level before you decide on any upgrades.

Ready to compare options? Looking to provide yourself with the best protection? Click through to MoneySuperMarket’s car insurance comparison tool and find the personal accident insurance policy which best suits your personal circumstances.

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