Cheapest Personal Accident Insurance PAI

Tight_wod

Here's my dilemma, standard car insurance offers paltry recompense should I be unfortunate and have an accident, most pay out only £5000 max for death or disablement. That doesn't go too far if you are looking at spending the rest of your life in a wheel chair does it?

The solution seems to be to add the optional personal accident insurance 'add on' which can provide up to £100,000 cover and typically costs around £20 extra.

However, some insurers don't offer this option AT ALL!!! yet other aspects of their particular policies can be significantly better than those who do e.g. Liverpool Victoria offer the personal accident insurance option however Lloyds TSB don't but as standard I think I am right in saying the Lloyds policy gives free EU cover and a complementary car whilst your have to pay extra for these from Liverpool Victora. Plus if you buy Lloyds TSB policy via Quidco you get £90 back which makes the price very much less.

Therefore, ideally I would like to find some way of getting seperate personal accident insurance at a reasonable price (£30 or less) so as to then opt for the motor insurance that offers better general cover and is actually cheaper than the company that will provide the option of PAI.

Has anyone found a good way to get decent personal accident insurance seperate from a motor policy? The general 'stand alone' rate seems to be £60 which is crazy in relation to the 'add on' price. Barry Fentons Insurance used to do a 'stand alone' policy attached to a car registration that cost £10 for £20,000 cover but they have stopped offering it due to 'lack of interest'.

Tight_wod

HELP!!!!

Time is running out and I need someone to give me some pointers as to where to go to get cheap stand alone personal accident cover.