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
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?
Finding the right car insurance for you and your wheels can be complicated because there’s so much choice out there. With Asda we do the shopping for you and help you compare quotes from some of the UK’s leading providers so you don’t have to.
All you need to do is pick the policy and price that’s right for you.
All levels of cover for your car:
- How to get cheap car insurance quotes with Asda
Getting cheap car insurance quotes with Asda has never been simpler and you can get covered in minutes.
All you need to do is complete a number of simple questions about you, the car you’re looking to insure and your driving history.
You’ll be asked very basic questions like your name, address and date of birth, as well as questions about how long you’ve been driving and the number of no claims bonus (NCB) you have.
From there you’ll need to complete some questions about the car insurance cover you want and then we do the hard work. Plus, some providers will offer multi-car discounts if you insure multiple cars under the same policy.
- What happens when you compare car insurance with Asda?
When you compare car insurance, your details are run through the various car insurance providers on the panel.
Over 60 of the UK’s leading providers, including the likes of AXA, Hastings and Swinton, 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 you want! It's also worth taking a look at any optional extras you might want to include with your policy, like a courtesy car if yours runs into trouble or legal cover in case you do happen to get into an accident.
- What are your levels of car insurance cover?
When you compare quotes you’ll automatically see all three levels of cover when your quotes display but car insurance is a little more complicated than just Comprehensive, Third Party, Fire and Theft or Third Party Only. You'll also want to consider what other car insurance benefits you want, like cover for driving abroad, and what optional extras you might want for your policy for complete peace of mind when driving.
If you want a telematics (black box) policy, one that covers you for work or social only, or you're ahead of the curve and have an electric car, you can still compare quotes and get covered with Asda.
ASDA Money is a trading name of Asda Financial Services Ltd and Asda Stores Ltd which for general insurance are Introducer Appointed Representatives of Vast Visibility Limited, 8 Princes Parade, Liverpool, L3 1DL, authorised and regulated by the Financial Conduct Authority. Firm reference number 566973. You can check these details on the FCA Register.
The ASDA car comparison service is arranged by and administered by Vast Visibility Limited.