What Is Personal Accident Cover?

While applying for your upcoming car accident insurance policy, you’ll probably have seen personal accident cover listed as one of the main features included with the policy, or available as an optional extra.

However, if you’re like many drivers, you’re probably wondering what personal accident cover car insurance is exactly and how it benefits you. 

In today’s definitive guide, we’re going to detail absolutely everything you need to know about accident injury claims. Let’s dive right in!

What is personal accident cover on car insurance?

In short, if you’re involved in a car accident where you or a passenger of your vehicle is injured or killed as a direct result of the incident, your personal accident cover is designed to help you cover the costs.

In the situation where the accident is not your fault, it’s the other driver’s insurer who will pay for any personal injury fees that incur and any compensation that needs to be paid out. That’s all there is to answering the question of what is personal accident insurance!

What are the best personal accident car insurance policies?

To give you a clear idea of what all the personal protection insurance providers are offering in terms of price, scroll down for a definitive list. However, if you’re ready to find the best car insurance policy that offers personal accident cover? Take a look at these policies to easily find which one is the best investment for you;

To give you a clear idea of what all the personal protection insurance providers are offering in terms of price, scroll down for a defintive list. However, if you’re ready to find the best car insurance policy that offers personal accident cover? Take a look at these policies to easily find which one is the best investment for you:

Insurance ProviderAverage PricePersonal injury cover featuresOpinion on the Policy in general
logo sterling insurancePrices start at £17.00
  • All policies include motor legal protection as standard
  • Free European driving cover included with 30, 60, and 90-day versions available
  • You can pay monthly or annually on your policy
  • Offers access to a 24-hour emergency claims line you can call anytime
  • You can easily transfer your existing no claims discounts to this policy
  • Limited mileage policies available to help you reduce your premium
  • Car Owners Club discounts available up to 20%
  • Multi-car discounts available on all policies
  • Breakdown cover, keycare cover, misfuelling cover, and windscreen cover all available as optional extras
  • A highly rated customer service team
logo insure 2 drivePrices start at £17.99
  • Windscreen cover, free courtesy car, European driving cover, personal accident cover, and free legal cover all included on comprehensive policies as standard
  • Personal protection cover only available on comprehensive policies
  • Holds a 4.5/5 customer satisfaction rating on Trustpilot
  • Make your car accident claims online to make things quick and easy to process at any time
logo admiralPrices start at £26.95
  • Car accident personal injury claim limit up to £5,000 for you and your partner (proof of relationship required)
  • Access to a 24-hour helpline for making personal injury accident claims no matter what policy you have
  • A five-star rated service by thousands of customer reviews and Defaqto
  • Holds a 98% customer satisfaction rating
  • Voted the best car insurance provider for six years running
  • Over 15 million policies sold over the last 25 years showcasing how trustworthy this provider is
  • Named drivers can earn no claims discounts
  • Offer multi-car discounts you can take advantage of
logo elephantPrices start at £26.95
  • Car accident injury compensation limit up to £5,000
  • Offers access to a 24-hour emergency helpline to make a claim anytime
  • You can add motor legal protection, hire vehicle cover, breakdown cover, and keycare cover to your policy
  • Will customise your quote to match or beat a competitor’s quote
  • Lots of extras to add onto your policy, including courtesy car cover, sports equipment cover, and stereo cover
  • Named drivers can earn a no claims discount
  • All policies include 90-day European driving cover
logo admiral little boxPrices start at £26.95
  • A black box car insurance policy you can install to receive reduced premiums based on your driving style and can automatically detect and report collisions
  • Offers a personal injury claim limit up to £5,000
  • Free theft tracking feature to help locate your car while working with the police
  • Plenty of optional extras to add onto your policy, including windscreen cover, keycare cover, European driving cover, and more
  • Offers single car insurance and multi-car discounts
  • Receive regular discounts on your premium based on your driving style and trends
  • Five-Star rated service from Defaqto
  • An award-winning insurance provider for six years in a row
logo diamondPrices start at £26.95
  • 24-hour emergency claims phone like you can call anytime
  • Offers a standard car injury claim limit or £50,000
  • Offers a Plus version of their personal injury limit to £100,000
  • Protects you even when you’re travelling in another vehicle
  • The personal injury claim process is quick and straightforward
  • You can pay for your premiums either on a monthly or annual basis
  • Add optional standard extras, such as breakdown cover, hire car cover, and motor legal protection
  • Car insurance is designed for women drivers only, although you can add your partner to your vehicle
  • Special discounts for drivers between the ages of 17 and 24
  • Offers a range of dedicated extras, like handbag cover and child car seat cover
  • Named drivers can earn their own no claims discounts
  • Offers European driving cover up to a 90-day limit
Personal accident price and cover comparison

All the prices and features above are to be used as a guideline only and are subject to change depending on the provider and your personal information, such as your age, location, or the vehicle you’re driving.

How much personal accident car insurance cost? 

How much personal accident cover costs really depends on your insurer and how much they are charging, and this can vary for multiple reasons.

If you want a quick lowdown on which prices are offered by which insurance provider when it comes to personal accident cover, here’s a quick way to compare personal accident insurance policies!

Insurance ProviderCost of Personal Accident Cover on third party policiesCost of Personal Accident Cover on comprehensive policies
Admiral£29.95£29.95
Admiral Little Box£29.95£29.95
Bell£29.95£29.95
Colling WoodIncluded as standardIncluded as standard
Diamond£29.95£29.95
Elephant£29.95£29.95
Endsleigh£29.99£29.99
Hastings Direct£29.99£29.99
Hastings Direct PremierIncluded as standardIncluded as standard
Insure Pink£29.99£29.99
People’s Choice£29.99£29.99
Sterling InsuranceIncluded as standardIncluded as standard
Sure Thing£29.99£29.99
Personal accident cover price comparison

What is covered under personal accident insurance?

As stated above, if anybody in your vehicle, including you and your passengers, are injured or killed during a car accident situation, any costs that arise from this will be covered by the personal injury cover.

Some of the charges that are typically covered include:

  • Lost income
  • Any medical costs
  • Hospitalisation benefits
  • Fatality payouts.

What is included in a personal injury insurance policy can differ depending on the terms and conditions of the insurance provider you’re using, so it’s always worth asking to see what is included and what isn’t.

What is not covered under personal accident insurance? 

There are some general exclusions that personal insurance UK cover won’t pay out for that you’ll need to be aware of, but this, of course, will depend on the terms and conditions of the individual provider.

Some of these situations include;

  • Driving under the influence of drugs or alcohol
  • Driving with an invalid license
  • Driving without a seatbelt
  • Driving in a race situation or speed test
  • Driving above the speed limit
  • An accident where the injury was self-inflicted.

There may also be age restrictions on some personal accident policies, for example, if you’re over the age of 80 and more prone to injuries.

Is personal accident car insurance mandatory? 

No, there is no legal requirement stating that you need to have personal accident cover in your insurance policy, but some insurers will provide it as standard, typically on fully comprehensive policies, or as an optional extra you can add on.

However, before you consider skipping through this and potentially saving money on your car insurance policy, think about how not having this kind of cover could affect you.

For example, imagine you’re in a car accident and you break a bone or injury yourself in a way that means you’re unable to work in the long-term. How is this going to cost you in terms of income? How would your family or household manage? By taking out personal accident cover and having the ability to make an accident injury claim, you can help reduce the financial impact this would have dramatically.

What to look when taking a personal accident car insurance? 

It’s important to see what your preferred insurance provider is offering to ensure you’re covered and you know what kind of accidents you claim for, and it will vary depending on which provider you’re using. Here are some things to look out for;

Explanation
Duration of paymentHow your compensation is paid out will differ depending on your provider. Some providers will pay out with a lump sum whereas others will pay out in instalments over a select period of time.
How various situations are dealt withSome providers will differ how they pay out their compensation based on the situation that takes place and the kind of injury sustained. For example, major injury compensation could be paid out faster than minor injuries.
Fatal accidentsAlways check to see how much will be paid out during a fatal accident since this can differ dramatically. Some providers will not cover fatal accidents at all.
Disability benefitsIf you have a disability, you may have entitled to certain discounts on your policy and the payout you’re able to claim for. This will vary depending on your provider.
Possible upgraded policiesIn some cases where you’re not getting the full personal accident cover you want to be protected by, you may be able to request upgrades at different stages of your policy. It’s always nice to have this option.
Main features to look at when taking a personal accident car insurance

How can I make a personal injury claim?

If you find yourself in an accident situation where an injury has been sustained and you need to make a claim, it’s important to make sure you’re filing your claim as quickly as possible in order to validate the claim.

Of course, the first step is to make sure everyone is okay and are being medically treated by professionals. This could be going to the doctor after an accident or contacting the emergency services while you’re still at the scene.

No matter what approach you take to sorting out your injuries, you need to make sure you’re collecting a copy of medical documentation that is being created. This is essential for moving your accident insurance claim forward.

With this medical documentation in hand, you can then contact your insurance provider and telling them everything that’s happened and the claim process will begin.

An investigation will then take place to determine who was at fault in the accident and whose insurance company will be paying out the compensation. If, at any point, you feel the insurance company is taking too long to process your personal accident claim, simply get in touch to see what is happening.If it is still taking too long, you can file a complaint. Don’t worry, however, this won’t hold up your accident and injury claims process or penalise you in any way.

What is the difference between personal accident and personal injury?

During your car insurance search, you may have seen two very similar terms; accident insurance cover and personal injury cover. However, there is very little difference between the two.

The truth is, for many providers, the terms are interchangeable and there’s not much difference. 

Nowadays, most insurance companies will pay out for both accident and injury cover under the same term. 

To make sure you’re getting the type of cover you want, simply contact your preferred insurance provider and ask them for their definition of the terms. If you’re covered for the situations where you’re involved in an accident and need financial assistance, as we’ve defined above, you won’t have any problems.

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