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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.

Get a quote

Get a quote

You can "Get a Quote" for personal accident insurance by completing our enquiry form. Your enquiry will be submitted to up to three providers of personal accident insurance in the UK.

Featured provider

Featured providers

Our featured providers enable you to compare prices for a variety of personal accident plans in the UK. Find out about the plans on offer and get a quote online or over the telephone.