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How does personal accident insurance work?

Like most insurance policies, you pay a monthly premium to your insurance provider and if you make a claim, your beneficiaries will either be paid a lump sum or monthly payments to supplement missed income.

 
 

What personal accidents are covered?

Most policies will cover you against the following accidents and injuries:
 
  • An accident or injury at work
  • Injury caused by violence
  • Total and permanent loss of (or loss of use of) limbs
  • Total and permanent disability
  • Injury or death caused by a road traffic incident
  • Death
 
 

What personal accidents are not covered?

Common exclusions include:
 
  • Self-inflicted injuries
  • Dental injuries
  • Injuries that occur while under the influence
  • Accidents that occur due to a pre-existing illness
Personal accident insurance policies also won’t cover you for other reasons you’re unable to work such as sickness or mental health as these will normally be covered by health insurance policies.
 
 
 

Do I need personal accident insurance?

Whilst personal accident insurance isn’t a necessity, you might want to consider taking out a policy if you work in an environment where serious accidents are likely to occur. Also, if you’re self-employed, personal accident insurance would cover you against loss of earnings if you’re unable to work as a result of a serious accident or injury. 

 
 

Compare personal accident insurance providers

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1st

Review Score

8.6

based on 13293 reviews

Basic cover quote

£50.30

per month

Comprehensive cover quote

£60.86

per month

Comprehensive cancer cover

Included

Levels of cover available

2

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Aviva guarantees your life insurance premium and it won't increase at first renewal if you haven't made a claim.

2nd

Review Score

8.1

based on 3336 reviews

Basic cover quote

£39.79

per month

Comprehensive cover quote

£60.79

per month

Comprehensive cancer cover

Included

Levels of cover available

3

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All policyholders pay for their first child only. Any additional children will be added to your policy at no extra cost.

3rd

Review Score

7.9

based on 24385 reviews

Basic cover quote

£42.25

per month

Comprehensive cover quote

£55.55

per month

Comprehensive cancer cover

Included

Levels of cover available

1

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Award-winning health insurance with fast referrals into a consultant and rewards for living a healthy lifestyle.