When a car accident is more than just a bump or scrape, there’s a chance that someone could have been seriously injured. Permanent injuries such as loss of limbs, sight or hearing can destabilise your life, so having coverage which compensates you for these things can be crucial in helping you to get your life back in order.
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What is personal accident cover?
Personal accident cover can help to provide you and your family financial stability if you suffer a serious injury from a car accident or pass away as a result of the crash. The financial assistance this cover gives you can help make adjustments to your everyday routine if you lose a limb or the use of certain body parts due to an accident. Different policies pay out for different types of accidents, so you’ll need to scout out the personal accident policy that give you the peace of mind you’re after when looking at optional extras for car insurance or a fully comprehensive insurance policy which includes personal accident cover.
What’s covered by personal accident cover?
When you choose personal accident cover as an optional extra of your car insurance policy, you’re typically covered against the following injuries whether you’re driving, getting into your vehicle or getting out of your vehicle:
- Loss of any limb from above the wrist or ankle
- Permanent loss of use of any limb above the wrist or ankle
- Permanent hearing loss (one or both ears)
- Permanent blindness (one or both eyes)
- Permanent complete disablement
- Death
What are the main factors to consider when getting personal accident cover?
As with all insurance policies, there are probably a number of different things that you’d ideally like your personal accident cover to include which will affect which provider you choose. The main three areas you’ll likely want to look closely at are:
- Who the policy will cover, as this can be just the named individual, couples or even the whole family to ensure all regular passengers are covered
- Where you’ll be covered, as this can be just within the UK or extend over to accidents which occur overseas if you’re on holiday or taking a road trip
- What exact things you’re covered for, as these can vary from policy and can stretch to cover accidents when broken down on the roadside or even on public transport
What things can invalidate my personal accident cover?
While your personal accident cover can give you protection against a whole range of injuries in the event of a serious crash, there are a number of factors which can void a personal accident insurance policy. These can include:
- Driving under the influence (alcohol or drugs)
- Driving without a valid driving license
- Not wearing a seatbelt
- Racing other drivers or excessively speeding
- Purposefully self-inflicted injuries
If the accident you were in is influenced by any of these factors, then you will likely find that a provider won’t have to pay out and it can also invalidate other optional extras such as legal cover.
Top Car Insurance FAQs:
- What's the best car insurance for you?
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The right car insurance for you depends on your needs and circumstances. There are a range of policy and cover options, to help you find the best policy for you, including:
- How to get cheap car insurance quotes through Asda Money’s car insurance comparison service?
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Asda Money’s car insurance comparison service is provided by Vast Visibility Limited. With the shopping around done for you, this means you can simply compare quotes from some of the UK’s leading providers.
All you need to do is answer a few simple questions about you, the car you’re looking to insure, and your driving history. From there you’ll need to complete some questions about the car insurance cover you’re looking for. Then, all you need to do is select a policy and price that’s right for you.
- What happens when you compare car insurance through Asda Money car insurance comparison service?
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Asda Money’s car insurance comparison service is provided by Vast Visibility Limited. When you compare car insurance, your details are run through the various car insurance providers on the panel.
Some of the UK’s leading providers, including the likes of Aviva, Hastings and Admiral, will return the cheapest quotes they have to offer.
You'll see your quotes, starting with the cheapest first, and you’ll also be able to see prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies.
At that point it’s up to you to select the quote and cover that’s right for you.
- What levels of car insurance cover do you offer?
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When you compare quotes through Asda Money, you’ll automatically see all three levels of cover, including Comprehensive, Third Party, Fire and Theft or Third Party Only. You'll also want to consider what other optional extras you might want for your policy.
You can also get quotes for a telematics (black box) policy, or business cover.
- What type of car insurance is cheaper?
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The cost of car insurance depends on a range of factors, including your driving history, age, and make and model of car.
- At what age is car insurance cheapest?
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Car insurance tends to be expensive when you first start driving, as new drivers may be viewed as more of a risk on the road. As you get more experience behind the wheel and build up your no claims discount, you may get lower premiums.
- Do I really need fully comprehensive car insurance?
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The type of car insurance you choose is up to you. By choosing fully comprehensive car insurance you’ll have the highest level of cover possible.
- What car brand is the cheapest to insure?
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In the UK, makes and models of cars are split into 50 different car insurance groups. Cars in Group 1 are the cheapest to insure. These tend to be hatchbacks or city cars that are less powerful. Examples of Group 1 cars include Fiat Panda, Ford KA Plus, Hyundai i10.
- How early should you get car insurance?
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The cheapest time to get car insurance quotes is around 26 days before your renewal date2. Car insurance cover tends to get more expensive the closer you get to your renewal date.
- Why is my car insurance so high with a clean record?
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If you have a clean record but your car insurance is still expensive, insurers may be looking at other factors, such as your age, job, where you live, and the car you drive. Other factors may be at play too, such as fraudulent claims and uninsured drivers which can increase car insurance prices for everyone.
2 The cheapest day to buy car insurance in the UK - revealed - Which? News
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The ASDA car insurance comparison service is arranged by and administered by Vast Visibility Limited.