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    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    Personal accident cover

    Personal accident cover

    How does personal accident cover work?

    Personal accident cover may provide you with financial help if you have an accident. Accidents can happen when you least expect them and a serious injury or accidental death could put you and your family in serious financial difficulty. Personal accident cover, or personal accident insurance as it is sometimes called, can provide you with financial help in such a situation.

    How can you buy personal injury cover?

    It is often included or can be added on to car, travel, sports, home and business policies, but they can also be bought by themselves by some online insurers. Should you become injured or die as a result of an accident, you or your family could receive a cash sum. Most personal accident policies pay tax-free lump-sum benefits when the policy terms are met, but in some cases payment for non-fatal accidents might be paid out over several months. Personal illness cover – which can help support you if you become seriously ill or lose a limb – is different and can be bought separately.

    Do you already have personal injury cover?

    Insurance policies you hold already might provide you with some personal injury cover – and in some cases your spouse – for accidental death, loss of sight in one or both eyes and loss of limbs as a result of an accident in the car registered with your provider.  It’s common to find personal accident cover as part of home and travel policies, too. Personal injury cover when bought alone is often more comprehensive than when bought as part of another insurance plan.

    What could you get?

    Depending on the injuries you suffer, some policies will pay out on multiple injuries (to a point), while compensation levels for a single injury with certain insurers can be as high. While cover that’s tied to other insurance will restrict you to accidents that occur in specific circumstances, such as a car accident, standalone insurance will protect you for a wide range of incidents.

    Where can you get help following an accident.

    Whether you have personal accident cover or not, you are entitled to compensation if you are injured in an accident that was not your fault. Although you are entitled to this by law it is down to you to actually make the claim; no one is going to do it for you. Even if you are happy with the sum offered by your personal accident cover you can still make a claim for another sum through a legal firm.

    Open Claim Calculator

    Accident Advice Helpline are available twenty four hours a day and seven days a week and we can advise you on the legal aspects of making a claim and if you are or are not in fact entitled to make one. You can get no-obligation advice on 0800 689 0500 (0333 500 0993 from a mobile) on making a claim. You will be asked a few questions to confirm your eligibility and may even be offered a potential pay-out figure should you succeed.


    Date Published: 7th March 2014

    Author: David Brown

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority with licence number 591058 and regulated by the Financial Conduct Authority.

    Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.