Are there any comparison sites for stand alone Personal Injury/accident insurance?

moneysaver128

I am seeking reasonable cost PI or personal injury insurance. I wish to supplement my Personal .Accident insurance on my car insurance which I find too small  a sum payout.  Other than that can anyone recommend good quality standalone Personal accident insurance from a major insurance company. The only one I can find is Aviva which seems rather expensive.

DullGreyGuy

So you want just accident not sickness?
Lump sum and not monthly payments?

Most the insurers in the protection space offer PA (eg Aviva) but its just not a very popular product given the very narrow spectrum it covers. More popular are things like ASU, Income Protection, PHI, Critical Illness etc which often will cover major trauma covered by PA but add on sickness and heart attacks etc 

Mark_d

What sort of scenario are you looking to insure and what sort of payout/compensation are you looking for?

Personal accident insurance typically pays a lump sum when you lost your sight, lose a limb, or die etc.  If the other driver is at fault then you claim on their insurance.

moneysaver128

Mark_d said:

What sort of scenario are you looking to insure and what sort of payout/compensation are you looking for?

Personal accident insurance typically pays a lump sum when you lost your sight, lose a limb, or die etc.  If the other driver is at fault then you claim on their insurance.

I am trying to supplement the PA offered by my prospective Motor Insurance. Their total is £10,000 which is too little for me.  They do not offer any more. What I want is a stand alone PA insurance which will pay out around £50k to £100k for both driver and passenger. I do not need Unemployment etc. I want to be able to be able claim on my insurance  in case it involves no other driver or if they happen to be uninsured etc as well.  I want lump sum. Do not need illness etc.

DullGreyGuy

moneysaver128 said:

Mark_d said:

What sort of scenario are you looking to insure and what sort of payout/compensation are you looking for?

Personal accident insurance typically pays a lump sum when you lost your sight, lose a limb, or die etc.  If the other driver is at fault then you claim on their insurance.

I am trying to supplement the PA offered by my prospective Motor Insurance. Their total is £10,000 which is too little for me.  They do not offer any more. What I want is a stand alone PA insurance which will pay out around £50k to £100k for both driver and passenger. I do not need Unemployment etc. I want to be able to be able claim on my insurance  in case it involves no other driver or if they happen to be uninsured etc as well.  I want lump sum. Do not need illness etc.

A standalone PA policy will be for the named insureds not just whoever randomly is in your vehicle when an RTA occurs. It will cover all accidents the named insureds have that result in permanent injury not just those involving a motor vehicle. 

PA is a very unpopular product in personal lines space, it's more common in the business lines space as a group policy. I'd either google, a few brokers appear, or speak to BIBA who may recommend a broker.

PA policies in Motor exceptionally rarely payout, in my years as a claims handler I never saw a single one. When I did my basic training I asked the trainer how we did PA claims and despite her 20 years experience with the company she too had never processed one. Thankfully not many occupants in cars loose a limb or eye in an RTA. 

Aretnap

moneysaver128 said:

Mark_d said:

What sort of scenario are you looking to insure and what sort of payout/compensation are you looking for?

Personal accident insurance typically pays a lump sum when you lost your sight, lose a limb, or die etc.  If the other driver is at fault then you claim on their insurance.

I am trying to supplement the PA offered by my prospective Motor Insurance. Their total is £10,000 which is too little for me.  They do not offer any more. What I want is a stand alone PA insurance which will pay out around £50k to £100k for both driver and passenger. I do not need Unemployment etc. I want to be able to be able claim on my insurance  in case it involves no other driver or if they happen to be uninsured etc as well.  I want lump sum. Do not need illness etc.

In the event that your passengers are injured in a car accident they will be able to claim from the at fault driver, whether that is you or a third party. If the at fault driver is uninsured or untraced, they can claim from the motor insurers bureau (as can you if you are injured by an uninsured driver).

So it's really just cover for the driver that you need.

May I ask why you think you need cover in case you injure yourself in a car accident, but not in case you injure yourself falling down stairs, or electrocuting yourself with faulty wiring at home, or indeed being disabled by a stroke at an unexpectedly young age? It seems like an odd thing to fixate on that one mishap out of so many that could befall you, which is perhaps why few or no insurers offer cover specifically against that one mishap to the exclusion of all the others.

moneysaver128

PI insurance is often included in many Motor insurance policies . It is relatively cheap compared to Personal accident available in 'General Insurance' as it is packaged with unemployment or is aimed at work place accidents. Pers. Injury is offered in my potential motor policy, it is just not  to the right level as I said before.

DullGreyGuy

moneysaver128 said:

PI insurance is often included in many Motor insurance policies . It is relatively cheap compared to Personal accident available in 'General Insurance' as it is packaged with unemployment or is aimed at work place accidents. Pers. Injury is offered in my potential motor policy, it is just not  to the right level as I said before.

No one sells a standalone Personal Accident policy thats limited only to permanent injuries suffered from a motor accident. It's far too specific and no demand. As mentioned previously, someone with over 20 years experience with one of the UK's largest motor insurers had never heard of a single case being put through on it. 

You may find it as an optional extra to be cross sold with Motor, so Saga give you the option of increasing PA from £5k to £150k, likewise Admiral you can pay to increase to £50k or £100k, Axa up to £100k and I am sure more googling would find others but you have to buy your motor from them not just PA. 

Ultimately if you really want it then anything legal, almost, can be insured at Lloyds of London but for non-standard wording you're looking at a 5 figure price, maybe less if you can find the right MGA.

moneysaver128

It is what I thought. I may try the Aviva offer or look for it amongst another one of the bigger insurers. If I remember the Aviva offer mentions injuries whilst driving (amongst other injuries) so it may be approximately suitable. I may be able to get a lower premium if I reduce the sum insured as it only needs to be additional to the prospective car insurance PI cover.

moneysaver128

Just an update. It looks like this kind of extra PI insurance is probably not worth it as previous contributors have suggested. Thank you for your comments. After researching a little I came across an older post on MSE  -   https://forums.moneysavingexpert.com/discussion/4106607/is-it-worth-getting-personal-injury-cover.  This highlights the use or non-use of Personal injury insurance.

My concern would be to have good medical care following any accident and help claiming against insured or uninsured drivers. I note Legal Cover is often added to policies for the legal side. However, I note in the case where uninsured drivers are at fault then one needs to have their car details and name and address. An unlikely scenario where uninsured tend to drive off or give false details? Any suggestions on medical cover for hospitals?  Full blown private medical cover is beyond my resources.

DullGreyGuy

moneysaver128 said:

My concern would be to have good medical care following any accident and help claiming against insured or uninsured drivers. I note Legal Cover is often added to policies for the legal side. However, I note in the case where uninsured drivers are at fault then one needs to have their car details and name and address. An unlikely scenario where uninsured tend to drive off or give false details? Any suggestions on medical cover for hospitals?  Full blown private medical cover is beyond my resources.

The MIB has two agreements... the Uninsured Driver Agreement and the Untraced Driver Agreement. If you don't have the at fault party's details, or they prove to be false, the claim is handled under the Untraced Driver Agreement. 

Legal Expenses cover will cover pursuing the third party or the MIB for uninsured losses like injury, loss of earnings, hire car, physio etc. If you are at fault for the accident then naturally you cannot sue yourself. 

Not sure what you mean medical cover for hospitals? There are no private A&Es in the UK so no matter who you are you'll end up in NHS hospital initially if you have a medical emergency following an accident. The overwhelming majority of injuries are soft tissue (aka whiplash) which often require no hospital treatment. Next common are simple breaks. The numbers having long hospital stays following car accidents are tiny each year so again if you are just looking for something connected to car accidents it's very niche. Many more spend time in hospital each year for cancer, heart attacks, strokes etc