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What is Personal Accident Cover on Car Insurance

November 21, 2023

Getting insurance as a driver isn’t just about protecting your vehicle in the event of a collision; it’s also about protecting you in the event of a serious injury on the road. This form of insurance is known as “Personal Accident Cover” - but what do you need to know about this type of insurance, and what can you claim on it if you’re involved in a road accident? Let’s take a look.

What Is Personal Accident Cover?

Personal accident cover is a part of car insurance that specifically provides financial compensation in the event of serious injury or death caused by a car accident. Think of it as a safety net; if you get severely hurt or injured on the road (or in the worst-case-scenario, you pass away after a road accident) Personal Accident Cover catches you and your loved ones financially.

Coverage Details

Types of Injuries Covered

Personal Accident Cover typically only includes injuries that are serious and life-altering, such as loss of limbs, significant burns, or even blindness. It's designed to cover the more severe end of the spectrum when it comes to injuries resulting from car accidents, where living and working on a day-to-day basis becomes a challenge.

Scope of Coverage

One of the great things about personal accident cover is that it’s not just for drivers: passengers can also be covered, making it a comprehensive option for anyone in the vehicle at the time of the accident.

Coverage Limits and Payouts

All that being said, there are some limits to how much you can claim, and these vary from policy to policy depending on your insurer. It's important to check these details before taking out a policy; usually, most insurance providers will state a maximum payout you can receive in the case of a claim.

When Does Personal Accident Cover Apply?

Generally speaking, Personal Accident Cover kicks in when you or your passengers suffer from any of the specific injuries outlined in your policy (and these injuries occured as a direct result of a car accident). It’s also important to note that it doesn't cover general medical expenses or minor injuries, but this isn’t much of a concern in the UK, as the NHS handles all emergency medical treatment.

What Does Personal Accident Cover Offer?

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Put simply, the compensation from personal accident cover can be a financial lifeline if you’ve been seriously injured on the road; it’s there to help cover the costs that come with serious injuries, like loss of income, or adjustments needed for your home or vehicle. In the event that you (or another passenger) die in a road accident, Personal Accident Cover also offers a financial safety net for your family.

Exclusions and Limitations

Like any car accident claims, there are exclusions that apply: common ones include accidents that occur under the influence of alcohol or drugs, as well as injuries sustained from reckless driving. Always read the fine print to understand the boundaries of your coverage.

Is Personal Accident Cover Worth It?

Deciding whether you need personal accident cover really depends on your individual circumstances. Think about factors like your daily travel, the people who frequently ride with you, and your current financial safety net. If the worst happens and you’re involved in a serious accident, Personal Accident Cover could be incredibly reassuring, especially for those without a substantial emergency fund.

The Bottom Line

Ultimately, Personal Accident Cover in car insurance acts as an extra layer of protection for you and your family, offering peace of mind and financial security in the face of serious accidents. It’s definitely something worth considering alongside your regular car insurance, especially if you're frequently on the road with passengers in tow.


What exactly does personal accident cover include in car insurance policies?

Personal accident cover typically includes compensation for serious injuries like loss of limbs, significant burns, or blindness resulting from a car accident. It may also cover death, providing financial support to the policyholder's beneficiaries.

Is personal accident cover mandatory in car insurance?

No, personal accident cover is not mandatory. It's an optional add-on that you can choose for additional protection beyond the standard car insurance policy.

How does personal accident cover differ from health insurance?

Personal accident cover in car insurance specifically addresses injuries or death from car accidents. In contrast, health insurance covers a broader range of health-related expenses and is not limited to car accidents.

Can I claim personal accident cover for minor injuries like bruises or sprains?

Typically, personal accident cover does not extend to minor injuries. It's designed for more severe cases, like permanent disabilities or death resulting from a car accident.

Does personal accident cover apply to all passengers in my car?

Yes, in most cases, personal accident cover extends to all passengers in the vehicle at the time of the accident, offering a level of protection to everyone in the car.

What should I do if I need to claim personal accident cover?

First, ensure you have all the necessary documentation, such as medical reports and an official accident report. Then, contact your insurance provider to initiate the claim process.