What is Personal Accident and Injury insurance?

Personal accident and injury insurance, also known as personal injury insurance, is designed to compensate you if you suffer from a serious injury or die from an accident. It can protect you and your family against the loss of income and help them with bills and other expenses such as the modification of your home.

How does Personal Accident and Injury insurance work?

Personal accident and Injury insurance policies payout if you suffer serious injury or death as the result of an accident, this includes being made permanently disabled, or losing the use of a limb regardless of where the accident takes place i.e. If you’re playing a sport, at home, or at work. The Financial Ombudsman, which oversees the insurance industry defines an accident as “an unforeseen or unexpected and unfortunate occurrence.”You will usually pay a monthly amount for your income protection insurance which is called a premium. You must continue to pay your premiums if you do not your policy will expire and you will not be covered. Personal accident and injury insurance cover most sports such as but not exhaustively: rugby, football, mountain biking, road biking, and motorsports. It is good to review your policies when there are any significant changes such as getting married or having a family.

Do I need Personal Accident and Injury insurance?

We cannot tell you whether you do or not, only you can make that decision. But our professional advice would be to consider whether you play any sports or work in high-risk environments that might lead to accidental injuries, such as construction. You can combine personal accident and Injury insurance with other policies such as income protection, critical illness and life insurance. Our expert advisors will take the time to understand what you need and help you decide the best option to suit your needs. Get in touch to find out more.

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