What's The Explanation Of Personal Accident Cover?
Personal accident cover might sound a bit clinical; but when something goes seriously wrong, it's the kind of protection you'll be very glad to have. It's an optional add-on to most car insurance policies that pays out a lump sum if you're seriously injured; or worse, in a car accident.
Whilst standard insurance deals with repairing the car, personal accident cover is about looking after *you*. Not your alloys. Not your paintwork. You. And when life takes a turn you didn't see coming, that can make a world of difference.
What Does It Actually Cover?
Personal accident cover typically pays out a fixed sum if you, your partner (and sometimes named drivers) suffer a serious injury or death owing to a car accident, whether you're driving, a passenger, or even a pedestrian hit by a vehicle.
- Death - A one-off payment is made to your family or estate.
- Loss of limbs - Usually one or both arms/legs.
- Loss of sight - Partial or total blindness.
- Permanent disability - This could include paralysis or brain injury, depending on policy terms.
These payments aren't meant to cover long-term care in full - but they can be a financial cushion during a truly devastating time. Hospital bills, adjustments at home, time off work... it all adds up faster than anyone expects.
What's The Explanation Ofn't Covered?
As with all insurance, there are limits. Most policies don't pay out for:
- Minor injuries - Cuts, bruises, or anything temporary usually don't qualify.
- Non-accident injuries - Illness, old injuries, or wear and tear are not included.
- Dangerous driving or drink-driving - Claims can be rejected if the accident occurred whilst breaking the law or under the influence.
Payouts also have limits. A typical figure might be GBP5,000 to GBP30,000, though some policies go higher. Always read the policy wording carefully so you know exactly what's included.
Imagine the scenario...
A driver is on their way home from a late shift. It's raining, visibility is poor, and a collision occurs at a junction. The driver survives, but with life-altering injuries. Their car insurance repairs the vehicle - but the personal accident cover pays out a lump sum that helps with home modifications and rehabilitation costs.
No amount of money can undo the damage; but it can mean one less thing to worry about in the aftermath.
Is It Worth Having?
If you already have comprehensive life or health insurance, this may feel like a duplicate. But for many, it's an affordable way to get **some** financial cover without paying into a full separate policy.
It's particularly relevant if:
- You regularly drive long distances or commute at high-risk times.
- You don't have a workplace health insurance or sick pay scheme.
- Your household relies heavily on your income or mobility.
Even a modest payout can help bridge the gap between recovery and normality - whatever that may look like afterward.
Check Before You Add It On
Some insurers include basic personal accident cover in their comprehensive policies already; though the amounts are often low. You can usually upgrade to a higher payout limit, or add the cover if it's missing altogether.
It's worth comparing what's on offer. Not all policies are equal, some are only valid if you're driving, others extend to passengers or named drivers. Some pay out on a sliding scale depending on the injury. The small print matters here.
Thinking About Adding It?
No one plans to be in a serious accident. But if the worst happens, knowing there's a lump sum to fall back on can make recovery; financially, at least - a little less daunting. It's not about fear. It's about foresight.
Click here to compare car insurance quotes now, see which policies include personal accident cover, and find out how to add the protection that fits your life and budget.