Do I need personal accident cover?

Do I need personal accident cover?

If you have a family, personal accident cover may be an important element of your injury insurance.

When it comes to protecting your loved ones after an accident, life insurance is the obvious place to start. However, personal accident cover can fill a gap in life insurance and could be cheaper than taking out extra life cover with the same provider.

Personal accident cover usually covers you anywhere within the UK or abroad so it’s worth checking if there are any restrictions on where it can be used (for example some providers won’t pay out for injuries sustained while doing sport).

Personal accident cover can fill a gap in your life insurance.

Life insurance is designed to cover the financial needs of your family should anything happen to you. However, it doesn’t provide any cover for what happens after you die.

This can leave some families out of pocket when it comes to paying for funeral costs or other expenses associated with death.

Personal accident cover offers protection against the financial impact of serious injuries suffered as part of an accident, regardless of whether or not they’re work-related. If you were injured as part of an accident that wasn’t work-related and couldn’t work because of this injury, personal accident would pay out benefits to help provide extra support while recovering from these injuries – including:

  • Rehabilitation costs (such as physiotherapy and occupational therapy).
  • Home care costs (such as assistance with daily tasks such as cooking or cleaning).
  • Funeral expenses (including transport and burial fees).

It could be cheaper to take out personal accident cover than life insurance.

You may be able to get a personal accident policy for a shorter period, which could mean paying less for the cover.

You can also pay upfront and cancel your cover at any time if it’s not working for you.

The one thing that always stays constant is that life insurance is a long-term commitment. If you have the option of taking out personal accident cover instead of life insurance, we recommend that you do so — especially if you don’t think you’ll need it for very long.

You can customise your personal accident cover to suit your needs.

You may want to insure yourself and your family members, or you may just want to make sure that if something happens to you while on a trip abroad, the costs will be covered.

You can buy personal accident cover for a specific event (for example an important work meeting), period of time (e.g., school holidays) or location (e.g., overseas travel).

You can also opt for an excess waiver option where there will be no excess payable when claiming against the policy if certain conditions are met.

You can also buy additional personal accident cover for specific people such as your spouse/partner or child(ren).

Personal accident cover usually covers you anywhere within the UK and abroad.

  • Personal accident cover usually covers you anywhere within the UK and abroad.
  • If your policy is for £10,000 of personal accident cover, it will pay out up to £10,000 if you have an accident outside of the UK as well as in it.

Personal accident information is an important element of injury insurance, so make sure you explore the options available to you.

 It can be cheaper than life insurance, and it’s also customisable to you.

Your personal accident cover will give you the peace of mind that if something does happen to you, your loved ones will be looked after financially.

Personal accident cover can be bought anywhere within the UK and abroad, so it’s well worth looking into whether this is something that would benefit you – even if your plans don’t involve travelling outside these shores!

Personal accident insurance is a great way to protect yourself and your family. It can give you the peace of mind that you’ll be taken care of if anything bad happens.