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Typical exclusions and limitations

Thinking about getting personal accident insurance?

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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.

Thinking about getting personal accident insurance?

Download our free PDF guide

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Personal accident insurance guide

  • What is it?
  • Types of policy
  • Cost

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