Logout

Need a hand? Get expert support on your cover from a real human

or call now on 0800 0280 380

Let us know who you are, and we'll call you back

Personal accident

Personal Accident Insurance FAQs

Questions and answers relating to our personal accident and sickness insurance, including what it covers, levels of cover available, where insurance applies. This information is provided as a guide only, and if you’ve got any doubts or questions, give our expert team a ring on 0800 0280 380.

What is personal accident cover?

Why should I buy it?

How long am I covered?

Is there an excess?

Do I need a medical?

How much personal accident cover can I have?

Is there an age limit?

What accidents can this type of cover protect me from?

How do I make a claim?

What is personal accident cover?

Personal accident policies exist to protect people from accidents (and sickness if you purchase this).

A claim will be paid when the policy terms are satisfied – which usually means when the customer suffers an accident (or sickness) and is unable to work.

Why should I buy it?

Personal accident offers you peace of mind by providing a weekly benefit if you’re involved in a serious injury due to an accident or illness. You’ll get the reassurance that you’ve got a measure of financial protection.

How long am I covered?

You’ll be covered for a full year, except the first 14 days, after being signed off by the doctor.

Is there an excess?

There is a 14 day deferment period. This means you won’t get a payment for the first 14 days after being signed off by the doctor.

Do I need a medical?

No – you don’t require a medical to take out this cover.

How much personal accident cover can I have?

It depends on the type of policy you buy.

For both personal accident (on its own) and personal accident and sickness (combined), you’re eligible for between £200 – £500 a week, depending on the policy you buy.

Is there an age limit?

Yes – for personal accident its 80. For sickness, it’s 65.

What accidents can this type of cover protect me from?

There are many accidents that this could protect you from – from a road traffic accident, to a slip or fall. Get in touch with our team if you’ve got any questions about what is and isn’t covered.

How do I make a claim?

To make a claim, please call Allianz Insurance plc on 0344 8939 500 or email casualty@allianz.co.uk. You’ll need your policy number and a doctor’s note handy when you get in touch. 

 

Get a Quote