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How does personal accident insurance work?

Like most insurance policies, you pay a monthly premium to your insurance provider and if you make a claim, your beneficiaries will either be paid a lump sum or monthly payments to supplement missed income.

What personal accidents are covered?

Most policies will cover you against the following accidents and injuries:
 
  • An accident or injury at work
  • Injury caused by violence
  • Total and permanent loss of (or loss of use of) limbs
  • Total and permanent disability
  • Injury or death caused by a road traffic incident
  • Death

What personal accidents are not covered?

Common exclusions include:
 
  • Self-inflicted injuries
  • Dental injuries
  • Injuries that occur while under the influence
  • Accidents that occur due to a pre-existing illness
Personal accident insurance policies also won’t cover you for other reasons you’re unable to work such as sickness or mental health as these will normally be covered by health insurance policies.

Do I need personal accident insurance?

Whilst personal accident insurance isn’t a necessity, you might want to consider taking out a policy if you work in an environment where serious accidents are likely to occur. Also, if you’re self-employed, personal accident insurance would cover you against loss of earnings if you’re unable to work as a result of a serious accident or injury.

Compare personal accident insurance providers

Compare health insurance providers on Compare By Review today. We’re the first and only comparison site that ranks health insurance providers exclusively on customer experience and product quality rather than price. Our full table of providers will give you an impartial and unbiased overview so you can purchase health insurance from a high-quality provider that you can rely on when you need them most.

1st

Review Score

9.3/10
based on 55433 reviews

Basic Cover Quote*

£50.30
per month

Comprehensive Cover Quote**

£60.86
per month

Comprehensive Cancer Cover***

Included

Levels Of Cover Available****

2
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Aviva guarantees your life insurance premium and it won't increase at first renewal if you haven't made a claim.
2nd

Review Score

8.8/10
based on 24745 reviews

Basic Cover Quote*

£28.94
per month

Comprehensive Cover Quote**

£37.77
per month

Comprehensive Cancer Cover***

Included

Levels Of Cover Available****

2
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Bupa Healthcare covers more mental health conditions than any other leading UK insurer.
3rd

Review Score

8.4/10
based on 245 reviews

Basic Cover Quote*

£44.13
per month

Comprehensive Cover Quote**

£46.99
per month

Comprehensive Cancer Cover***

Included

Levels Of Cover Available****

4
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General & Medical allows you to upgrade your policy to include cover for up to two pre-existing conditions from their list of pre-defined conditions.
*This quote is for a comprehensive policy with full outpatient cover, full cancer cover and London hospital access.
**This shows how many different levels of cover you can choose from.
***This shows whether the provider includes cancer cover as standard on all health insurance policies.
****This shows how many different levels of cover you can choose from.
 

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