Personal Accident Cover

(because accidents affect everyone).

personal accident cover

Add personal accident cover to your policy to provide payments to you in case of injury or death.

It’s the missing part of your policy costing £19.00 or for Personal Accident plus £39.00 a year when added to your Smartdriverclub Insurance.

Benefits

Cover for you, named drivers and all passengers

Up to £30,000 Personal Accident Cover per person for you, your named drivers or passengers. With Personal Accident Plus this increases to £50,000.

Protection when you’re at fault

Don’t let a momentary lapse in judgement throw your life into chaos. You may still need help covering the costs of your injuries. So, even if an accident is your fault, we’ll help you cover the expenses and move on.

Flexible cover options

Option One – £19.00 per annum provides up to £30,000 of cover for a fatal accident, permanent disability and loss of limb, sight, or speech.

Option Two – £39.00 provides the same as option one except the cover for a fatal accident is increased to £50,000. You also have cover available for dental, stress, fractures and 3rd degree burns of between £100 and £3,000. Please ask our team for full information.

What's included?

Lump sum payments for serious injuries and minor injuries for personal accident plus Cover against general damage, loss of earnings, medical treatment, and care costs

Hospitalisation benefit is per day up to a max of 30 days.

Stress Counselling Up to 5 stress counselling sessions with a qualified counsellor up to a maximum claim limit of £500.

Included in all of our policies

Windscreen and Window Repair

Windscreen and Window Repair

We’ll cover the cost of repairing or replacing your windscreen or any other window on your car when you use our approved provider. Subject to any relevant excess.

Child Seat Protection

Child Seat Protection

If you have a childseat fitted and your car is involved in an accident, fire or theft – even if there is no apparent damage, we’ll give you up to £300 towards replacing it.

Personal Belonging Cover

Personal Belonging Cover

If your personal belongings are damaged by an accident or fire, or if they are stolen, we will contribute up to £100 to their replacement.

Personal Accident

Personal Accident

If you or your spouse/civil partner are injured as the result of a vehicle accident and your injury prevents you from working, we’ll provide up to £5000 in personal accident cover.

Free Connected Car Club membership

Theft Tracking

Theft Tracking

In the event your car is stolen, we’ll use the Smartplug device to track your car and we’ll work with the police to attempt to recover it. in a majority of cases if the device hasn’t been unplugged, we can locate your vehicle within an hour.

Crash Assistant

Crash Assistant

We really hope you don’t have an accident, but in the event you do and it’s late at night or in an unpopulated area, our crash guardians will help take of you. We can use the Smartplug to help locate you and, where we cannot get hold of you, will call your loved ones and emergency services to provide support.

Club Deals

Club Deals

We’ll use an extensive network of partners including UK motor dealerships to get you the best deals on all things related to your car. From free health checks to half price oil changes, we will work to save you money to spend on the things you want, like that barrista blended coffee!