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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.

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Personal accident insurance guide

  • What is it?
  • Types of policy
  • Cost

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