Personal Injury Benefit
What is covered?
We will pay the following benefits to an insured person or their legal representatives in the event of an accident which occurs within the personal injury benefit territorial limits that results in bodily injury during the period of cover:
- whilst travelling or a passenger in;
- whilst driving or;
- whilst getting into or out of the insured car
| At fault | Not at fault | |
| Death | £100,000 | £30,000 |
| Permanent Total Disablement | £100,000 | £30,000 |
| Loss of, or loss of use of, two or more Limbs | £100,000 | £30,000 |
| Loss of, or loss of use of, one Limb | £100,000 | £15,000 |
| Loss of Sight in both eyes | £100,000 | £30,000 |
| Loss of Sight in one eye | £100,000 | £15,000 |
| Loss of Hearing in both ears | £100,000 | £30,000 |
| Loss of Hearing in one ear | £100,000 | £15,000 |
| Loss of Speech | £100,000 | £30,000 |
| Third Degree Burns | £100,000 | £15,000 |
Note: We will only make payment of one of the above benefit payments to an insured person in respect of any one accident
The maximum amount we will pay an insured person for bodily injury sustained in one accident under this section of the policy is £100,000.
For more information and full terms and conditions, please refer to the Policy Booklet.
Medical Expenses
The policyholder or named driver will receive a cash payment (except in the case of counselling/psychological therapy) towards the cost of treatment shown below, in the event of an injury sustained where they are the driver involved in a ‘fault’ accident claim within UK, Isle of Man or the Channel Islands:
| Operation/Procedure | £1,000 |
| Hospital Overnight Stay | £200 per night up to a maximum of 10 nights |
| Physiotherapy | Up to £750 towards the cost of treatment |
| Cosmetic Dental Work | Up to £500 towards treatment |
| Consultant/Doctors | £50 towards the fee charged to provide evidence of an injury/treatment |
Addition of cover as of 01/02/2021
In addition to the current cover under your personal injury benefit, we will now cover you for the following:
Fractures:
Fracture – A complete or incomplete break in a bone as a result of force.
£1000 per fractured bone, up to a maximum of £5000.
The maximum we will pay for each bone is £1000, regardless of how many fractures it sustains.
We will not pay for fractures to teeth or nails under this cover.
We will not pay for any fracture where it is caused or contributed to by Osteoporosis where the customer is aware of the condition prior to the incident.
Loss of fingers and thumbs:
Following complete and permanent loss of use or physical separation of fingers, thumbs or toes, we now offer the following policy benefits:
| Loss of fingers/toes/thumbs cover | Benefit payable |
| Loss of one thumb | £5,000 |
| Loss of more than one finger | £8,000 |
| Loss of one finger | £3,500 |
| Loss of one big toe | £5,000 |
| Loss of more than one toe (excluding big toes) | £2,000 |
| Loss of one other toe (excluding big toe) | £1,000 |
We will not pay any amount in respect of loss of fingers/toes/thumbs where a loss of limb benefit is also payable.
Additions to medical expenses section of your personal injury benefit add on:
In the event of a fault claim, we now offer the below additional cover
- Up to £1000 for counselling and other psychological therapies required as a result of an incident covered by this policy through our specialist provider.
- An increased limit of £750 towards physiotherapy where it is recommended by a medical professional. This will include an up-front payment of £250 and up to £500 towards further treatment following production of suitable evidence this treatment is required.
Already with us?
Optional Extras are easy to add to your existing policy too, call us on 0345 603 7879.
For more information and full terms and conditions, please refer to the Policy Booklet.