What does personal accident insurance cover?
In simple terms, a personal injury policy will cover a few specific things as standard:
- Permanent total disablement
- Loss of (or loss of use of) body parts
Some policies will also offer cover surplus to this basic cover. Permanent partial disablement, temporary total disablement and more minor injuries may well fall under the terms of your accident insurance if you select the right policy.
Whichever policy you opt for, it’s important to remember one thing: this type of insurance only protects against accidental death or injury. Issues caused by sickness or self-harm will not be covered, and will generally fall under health and medical insurance policies.
The actual level of cover offered will vary dependant on your insurance provider and the policy which you decide to take out. There are a vast number of products available, so it’s important to decide on the right policy for your needs. Many insurance providers offer different levels of personal accident and injury insurance, so deciding which level of insurance you need is also something that you must do.
Regardless of which level you opt for, the benefit paid will be dependent on the severity of your injury. Of course, you would have to look over the figures offered by your insurance provider to get the exact facts and figures – every provider is different!
How to find the best personal accident insurance policy
You can search and compare a wide range of personal accident insurance providers and policies with our powerful comparison service. Tell us a bit about you and what level of cover you think you’ll need. We’ll do all the leg work for you and search a range of the UK’s most popular providers. All you need to do is sit work out which level of cover is right for you. So get comparing and see how much you could save!