Advertisement

Typical exclusions and limitations

This first main exclusion is not usually listed in insurance policies as insurers think it obvious. If you have an accident, you can only claim if you have a physical injury.

The policy will not pay for a car, property, and animals, damaged or lost.  A policy will not pay for inconvenience, lost work, injured pride or anything else like that.

There are common exclusions on most personal accident plans, including

  • Disability due to, or caused by HIV/AIDS
  • Normal pregnancy and childbirth
  • War
  • Self-inflicted injury- including actual or attempted suicide
  • Criminal acts
  • Misuse of alcohol or drugs
  • Failure to follow medical advice
  • Residing outside the UK
  • Taking part in any dangerous or hazardous work, activity, sport or hobby
  • Driving with more alcohol than is allowed by law
  • Motorcycling
  • Engaging in military duty

Many policies limit accidents to those within the UK.  Many policies have age limits.

Advertisement

Features

Latest news

Nuffield Health opens doors of new Cambridge Hospital

Nuffield Health plans to open state-of-the-art diagnostic suite

£1.2 million refurbishment at Nuffield Health Bournemouth Hospital

FREE Guide
FREE Guide

Personal accident insurance guide

  • What is it?
  • Types of policy
  • Cost

Find a plan...

Find a plan...

A to Z of companies and plans
for Students
for People with pre-existing conditions
for Expatriates
for Cancer cover
for Public sector/Civil service
for The elderly
for Businesses
for Small businesses
for Individuals
for Over 50s
for Children
by name
...within: miles
Advertisement
Connect with us on:

This site compiles with the HONcode standard for trustworthy health information