Personal accident cover does have exclusions. Most policies won’t cover:
- Injuries sustained while breaking the law (e.g. drink-driving)
- Accidents that happen outside the insured vehicle
- Non-fatal injuries that aren’t classified as permanent or serious
It’s important to read the policy wording to understand the limits, exclusions, and any specific terms.
This type of cover is optional but can offer valuable peace of mind. It’s especially worth considering if:
- You don’t have separate life insurance or critical illness cover
- You regularly carry passengers
- You want added financial protection for worst-case scenarios
That said, if you already have other forms of protection in place, you may not need it as part of your car insurance policy.
Not always. Some comprehensive policies include a basic level of cover, but higher limits are often sold as an add-on.
Many insurers will allow you to add personal accident cover at any time, just check if there’s an admin fee.
Usually, yes. Most policies cover named drivers and sometimes passengers, but this varies by insurer.
It depends on your needs. For a small extra premium, it can provide valuable support in a serious situation.
