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

moneysaver128

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. 

Legal expenses is important for the above reasons as the post says above. Medical benefits could be important (after initial A and E treatment which is of course not covered under most policies). I would suggest people do their own review of what is offered in any insurance and I do not put any forward personally. However, Whiplash and other common injuries it is said sometimes require frequent post A and E visits to hospital. Also a common injury in motor cases is due to glass so that might be a factor for longer treatments.  After treatment/diagnosis as outpatient may especially be important when diagnosing complex long term consequences (eg whiplash) and then private care and speedy access could be beneficial.

I cannot vouch for the information but

there appear to be  some Insurance offers associated with car/motor injuries. In a brief survey of the field the following was found from SAGA over 50  which offers for around an extra £13 on its SAGA plus policy:

'Medical treatment after an accident – if you (or your spouse or partner) is injured in a road accident in the UK, we'll organise eligible private medical treatment for you up to £1 million '

This does seem to include some hospital charges (including accommodation) in patient consultation and out patient care and diagnostics costs and would therefore seem useful. Indeed I understand that the above accident healthcare applies even if you are a pedestrian involved in  a car accident but I would check that out for your self before relying on it. I would advise personal research before taking out any insurance.

DullGreyGuy

Most insurers do include Medical Expenses on a decent comprehensive policy but its relatively token, Direct Line cover £200 on Essential & Standard and £400 on Plus however only if no other policy does and thats the limit for the whole vehicle. Have seen a few claims under this section, normally its a few packets of aspirin or a prescription charge.

 Hadn't seen Saga's offering, its basically a cut down version of BUPA PMI (ands underwritten by them) and just goes to reinforce the comment that if its legal and you think it can sell then someone will do it for a price and its then a question of if you can make it commercially viable. 

 There are a few inner limits on it though like the maximum days in hospital, 12 month max treatment and only covers one surgical reconstruction attempt and doesn't cover non-spouse passengers. So an interesting offering if you are of an age to be eligible to buy from Saga but not all singing and dancing and won't pay your mortgage whilst you are in hospital. 

 Research or speaking to an advisory broker is always required, everyone's circumstances are different and many won't want to pay extra for a cut down PA or PMI policy. 

moneysaver128

Points taken. It is a limited offering .  I agree 'and just goes to reinforce the comment that if its legal and you think it can sell then someone will do it for a price and its then a question of if you can make it commercially viable.'  An interesting topic and much learned.