Do I already have personal accident cover?
If someone already has several insurance policies stashed under their belts, it’s worth double checking them, just to see if personal accident cover is included. In addition to car insurance, it’s common for home or travel insurance to include some personal accident cover or offer it as an add-on.
If it’s an optional extra that’s been included in a different policy, think about whether that cover only applies to a specific situation, such as travel insurance which only provides protection whilst on holiday.
Add-ons can be also restrictive as to who is covered. Some policies may only cover the policyholder and their partner, and it might not be as comprehensive as a standalone one. So, it’s important to think about whether existing policies are adequate and if not, then perhaps a separate plan would offer better protection.