What is personal accident insurance?


Personal accident cover on car insurance is there to protect you and your family should you gain a serious injury or die from an accident in your car.
It’s designed to be there as a financial back up should you – or a partner – be unable to work, or be out of pocket, as a result of a severe injury.
Personal accident cover is different from car insurance, as it doesn’t pay out for your car or somebody else’s car, but rather when you are personally injured in a collision or crash.
It will only pay out on a serious or life-changing injury, such as the loss of a limb, but be warned that if alcohol is involved in the accident, then it will not normally pay out.
Policies typically offer 24-hour protection, no matter where you are in the world, which can also provide a great peace of mind.

What can personal accident insurance protect you against?

This type of insurance is usually included in your fully comprehensive car insurance, and can protect you against:
  • Accidental death
  • Funeral costs
  • Medical expenses
  • Temporary or total disablement
  • Corrective surgery
But it is always worth checking the small print, just in case you are not covered or if the insurer offers it as an add-on cover.

How much does personal accident insurance cost?

Standard cover often comes to nothing more than a few pound per month, however, like any insurance, the cost depends on what you do for a living and how much you would require as a pay-out, should you make a claim.
You can gain a better idea of how much personal accident insurance would cost you by comparing quotes using MoneySuperMarket. We simply ask you a few questions before presenting you with the available policies. 

Is personal accident insurance included in my car insurance?

Most 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 and is sometimes offered as an optional add-on, so be sure to check your policy terms and conditions before signing any contracts.

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