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Car Insurance Personal Accident Cover

Ok, second post in quick succession re car insurance!

I thought Personal Accident Cover was, on the whole, included as standard when purchasing car insurance?

So how come, when getting a quote from Hastings Direct, it appears as an 'extra' i.e. You pay an additional £19.99 for £15K of personal accident cover.

Should I add this to my cover? Is it worth it?

Any help much appreciated!
:j

Comments

  • When I renewed my policy, I had a rather rude guy try and flag this too me.

    Firstly it was £29.99. Then when I refused, I was able to get a 'special discount' making it £19.99! Then, when I refused again, the agent asked me "If I had a crystal ball and could predict the future?"

    How rude. Anyway, IMO, no it is not worth buying.
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