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What is personal accident insurance?

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Personal Accident Insurance is no longer available.

Introducing personal accident cover

Personal accident cover is designed to provide financial help if you have a serious accident or injury, or if you suffer a fatal accident.

How does it work?

With personal accident cover, you pay a monthly premium which usually remains the same during the length of the policy. You will receive a cash benefit if you have an accident or receive a serious injury during the policy term. The cover also helps to ensure your family are provided for if you have a fatal accident.

Personal accident insurance usually gives you coverage almost anywhere in the world (T&Cs apply) and medicals aren’t normally required before you take out the cover. You may also be able to add your children to your policy – but they will most likely have a reduced level of cover.

You must keep paying your premiums or you will not be covered. If you cancel your plan or stop paying your premiums, you won't get back any payments you've made.

What types of personal accident policies are available?

Some insurers allow you to pick different levels of cover. A higher level of cover will provide a larger cash payout in the event of accident or fatal injury.

Who is it suitable for?

Any UK resident aged 18-69 can take out personal accident insurance. This type of insurance is suitable if you’re employed or self-employed and want to protect your earnings, or maybe you work with machinery or at heights and want financial protection in the event of an accident.

Some things to check

There are usually some instances where you won’t be covered by personal accident insurance, which mean you won’t be eligible for any cash benefits. Examples include:

  1. If your injuries are a result of sickness or disease
  2. If you deliberately or recklessly expose yourself to danger
  3. If your injuries are sustained while you’re under the influence of alcohol or certain drugs
  4. If your injuries are self-inflicted or if you attempt to commit suicide
  5. If your injuries are sustained while you’re committing or attempting to commit a crime
  6. Stress fractures, sprains and strains

Don't ignore the small print. This will spell out what's covered and what's not covered. It's normally included in a Key Facts or Key Features document, and you should compare various policies' features to determine which one is best for you.