The cost of a personal accident insurance plan depends on:--

  • Width of cover
  • How much you want to receive.
  • If any benefits are income rather than cash, for how long the benefit is paid 
  • Extra options bought

Then there are factors personal to you, which affect the price of personal accident insurance

  • Age-  premiums can rise with age
  • Sex - women tend to pay more
  • Occupation; a manual job will be more of a risk than an office or shop worker
  • Activity –what activities you do
  • Health history ;of you, and sometimes of your family too
  • How many people are covered

Not all insurers have the same views on the above factors.

Although there are sex discrimination laws, these do not apply to insurance pricing.



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Personal accident insurance guide

  • What is it?
  • Types of policy
  • Cost

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