Personal accident cover

If you choose our upgraded personal accident cover, you have access to the following benefits:

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  Hospital daily benefit

  We will cover up to £100 for each complete 24-hour stay in hospital resulting from an accident, with a maximum claim limit of £3,000 (please note that the first 24-hour stay is excluded).

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  Stress counselling

  Following an accident, you’re entitled to claim for up to five stress-counselling sessions with a qualified counsellor, with a claim limit of £500.

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  Physiotherapy

  After an accident, you’re covered for up to five physiotherapy sessions with a qualified physiotherapist, with a claim limit of £500.

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  Emergency Dental Expenses

  You can claim up to £250 back for emergency dental treatment for your natural teeth within 7 days of the accident, after the first £25 of the claim.

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  Serious injury benefits

  In the event of a serious accident, personal accident cover provides benefits of up to £50,000 for accidental death, loss of sight, loss of limb, or permanent total disablement.

Unfortunately, some things are not covered by personal accident cover.

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  We can’t cover:

  any claims resulting from suicide, suicidal attempts or self-injury.

• 

  We can’t cover claims where:

  the insured driver was under the influence of alcohol or drugs, or involved in criminal activity.

• 

  Injuries that happen when the insured person is

  riding on a motorcycle, moped, or in any kind of race, track-day, or motor-trade event are not covered by personal accident.

• 

  We can’t cover claims if the vehicle was

  being used for private hire, or if the accident occurs while the person involved in any armed force services or operations at the time.