Personal accident cover

Personal accident cover helps you with an extra layer of protection in case of an accident in a car you’re insured for. This can be particularly helpful when you can't pursue compensation for injury from a third-party, for example if you were deemed at fault for the accident.

It’s not something you legally require, but it can offer a safety net. Here’s a closer look at what you might be covered for, and what you might not be:

What's covered?

• Life-changing injuries or death: If the worst were to happen, and you experienced a catastrophic injury such as losing a limb, permanent loss of hearing, or blindness in a car accident, personal accident cover can offer you a lump sum. It could help support your family if you were to die as the result of a car accident.

If you have comprehensive cover under our Aviva Motor Insurance policy, our Motor Injury Protection Plus cover is available as an optional add-on. If you, your partner or any named driver are involved in an accident in the insured vehicle then, regardless of fault, the cover provides a lump sum of £120,000 should you, your partner or any named driver die, lose a limb, sight, or hearing, within three months of the accident. Aviva will also arrange physiotherapy (up to £500) for treatment needed as a result of minor injuries caused by the accident.

What isn’t covered?

• Illegal or risky activity: Typically, coverage will not be provided for injuries or death resulting from suicide, driving under the influence of alcohol or drugs, or not wearing a seatbelt.