All our car customers benefit from a few core personal accident benefits, which you can find out about in your policy wording document.
However, you can also choose to buy our upgraded personal accident cover, which comes with a range of additional benefits to help support you in the instance of an accident.
Our upgraded personal accident cover will pay for a range of benefits for you or any other named driver on your insurance policy if you an accident happens while travelling in the car that we’re insuring. Our policies also extend to any other passengers who are also in the car at the time.
Read on to find out more about the benefits included with personal accident cover.
Treatment benefits:
Hospital daily benefit
We will cover up to £100 for each complete 24-hour stay in hospital resulting from an accident, with a maximum claim limit of £3000 (please note that the first 24-hour stay is excluded).
Stress counselling
Following an accident, you’re entitled to claim for up to five stress-counselling sessions with a qualified counsellor, with a claim limit of £500.
Physiotherapy
After an accident, you’re covered for up to five physiotherapy sessions with a qualified physiotherapist, with a claim limit of £500.
Emergency Dental Expenses
You can claim up to £250 back for emergency dental treatment for your natural teeth within 7 days of the accident, after the first £25 of the claim.
Serious injury benefits:
In the event of a serious accident, personal accident cover will pay additional benefits.
These include up to £50,000 for loss of sight, limb or permanent total disablement, and up to £50,000 for accidental death.
Exclusions to be aware of:
As with all policies, there are some situations where you aren’t covered by personal accident cover. Make sure you’re familiar with these exclusions so that you don’t get caught out.
- We cannot cover any claims resulting from suicide or suicidal attempts, or self-injury.
- We can’t cover claims where alcohol, drugs or any criminal activity are involved.
- Injuries which happen when the insured person is riding on a motorcycle, moped or in any kind of race, track-day or motor-trade event aren’t covered by personal accident.
- We can’t cover claims if the vehicle was being used for private or public hire, or if the accident occurs while the person involved in any armed force services or operations at the time.
For the full information around what is and isn’t covered, please refer to the personal insurance policy documents, which you can find here.