Is Personal Accident cover available for all vehicles when added as an optional extra?

No, this insurance only covers private cars. There’ is no cover for vehicles like taxis, motorbikes, or for anyone carrying paying passengers.

Does the policy pay for medical treatment after an accident?

The policy pays fixed amounts for hospital stays, physiotherapy, and counselling if you're injured in an accident covered by the policy, but it doesn't cover all medical expenses.

Can I claim if I’m injured as a passenger, or only as a driver?

You’re covered whether you’re driving or travelling as a passenger in your insured vehicle. As the policyholder, you’re even covered when travelling in, or getting in or out of, another insured private car.

Are mental health conditions or illnesses covered?

No, the policy doesn't cover mental health conditions unless they result directly from a covered bodily injury and treatment is for counselling after an accident.

Does the policy cover me for accidents that happen outside the car?

No, cover is provided only for accidents that happen while travelling in, getting into, or out of your insured vehicle, or for assaults following a UK road traffic accident.