Saving for the rainy day is something that most people conveniently forget these days. Because we often live under the false impression that nothing bad or accidents would not happen to us. As a result, we are least bothered about insuring ourselves against such unpleasant events. But prevention is better than cure and it is highly advisable to be prepared for all possible mishaps in life. The consequences of a serious car accident, for example, will be far-reaching and unbearable. Grave injuries, if sustained, would confine the victim to bed and thus, potentially prevent him/her from earning his/her livelihood for a longer period of time. This, in turn, takes a heavy toll on those dependent on him/her. But a personal accident cover will prove to be your savior if you are wise enough to make the best choice.
Personal Accident Cover for Car Insurance
Although it’s not a nice thing to think about, you should consider the possibility that you as a driver could suffer serious injury in a motor accident which results in significant medical bills to be paid by you directly. If that’s a chance you’re not willing to take, it makes sense to choose Personal Accident cover as part of your policy.
Sometimes worst-case scenarios happen and although we can’t turn back the clock if you’ve had a car accident, we can help you out financially with our Personal Accident Cover. If you are injured in a car accident as a passenger or driver, then Personal Accident Cover can pay out a cash benefit to help support you and your family. The cash benefit will vary depending on the severity of the injury, with pay-outs for injuries ranging from fractures through to fatal injuries. Our cover also helps if you have to spend time in hospital over an extended period of time or as an outpatient.
Personal Accident Cover
If you have Fully Comprehensive Cover then as the policyholder you are covered up to £5,000 if you should suffer from certain injuries or death after an accident involving the insured car. Our Personal Accident Cover significantly enhances this cover to £25,000 and covers you and any passengers in your car**. The extra cover will go even further to help pay for things like outstanding debts if you or your passengers are not able to return to work straight away after an accident.
Additional car insurance cover
Covers you if your car breaks down anywhere in GB or Northern Ireland. If it is not possible to start your car, we will tow your car, you and up to 6 passengers to your home, to your final destination or to a preferred, closer destination. Additionally, if your car breaks down in anywhere in Europe and it is not possible to start your car, we will tow your car to a local garage for repair, during which time we will pay for alternative accommodation and transport. If the car cannot be repaired within 48 hours, we will recover you, your car and up to 6 passengers to your UK home address. European cover is provided in EU countries plus Albania, Belarus, Bosnia and Herzegovina, Croatia, Liechtenstein, Macedonia, Moldova, Monaco, Montenegro, Morocco, Norway, Serbia, Switzerland, Turkey (West of Bosphorus) and Vatican City.
There are two forms of motor insurance: Liability Only policy that covers bodily injury and/or death, property damage to third party and also provides personal accident cover to the occupants. The second being Comprehensive policy that covers loss or damage to the vehicle insured in addition to the Liability Only policy. As per the Motor Vehicle Act 1988, Liability Only policy, also known as Act Only policy, is mandatory for all vehicles plying on public roads in India. This cover protects against any liability arising from bodily injuries and/or death, property damages to a third party. It also includes a Personal Accident cover for the owner-driver. Comprehensive Insurance, also known as Package Policy, covers loss or damage to the insured vehicle in addition to the Liability Only policy. The following risks that can cause damage to the insured car are covered:
Buy/Renew Car Insurance Online in Simple Steps
The value of your car decreases with time. This is called depreciation. Your insurance company only pays a portion of the bill as the remaining amount is deducted on the account of depreciation. As per this Add-on, your insurer will pay the maximum payable amount of the whole bill without considering depreciation.
Personal accident cover
Calls to our numbers beginning with 0844 or 0843 cost 7p a minute; calls to 0871 numbers cost 13p a minute, and calls to 0845 or 0870 numbers cost 3p a minute. Your phone company will also charge you a fixed access fee when you make a call to any of these numbers. Please contact your phone company for their call access charges. Calls to 0800 or 0808 numbers are now free from mobiles as well as landlines. Calls to 03 numbers cost no more from mobiles and landlines than national rate calls, and count towards any inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded for our mutual protection.
If you ever need help during a medical emergency, costs should be the last thing on your mind. That’s why we cover you for overseas emergency medical evacuation without any limit.
Car Insurance - What We Cover
Executive Plus comprehensive insurance is an all-round package that covers accidental damage caused to your car and damage or injury you cause another vehicle or its driver in an accident. We can also keep you moving after an accident, with a courtesy car for up to ten days whilst yours is being repaired following an accident and you’ll also receive a protected no claims discount.
Get Best Quote for Personal Accidental Plan
IRDA Direct Broker License: IRDA/DB 407/08 | Code: 386 | Valid till : 13/11/2020 | CIN ‐ U67200MH2008PTC180492
Lexham Insurance Consultants Ltd are authorised and regulated by the Financial Conduct Authority.
Regulated by the Ministry of Justice in respect of claims management activities; our registration is
recorded on the website www.claimsregulation.gov.uk.
Lexham Insurance Consultants Ltd is a company registered in England No 3897329. For information on
What 1ST CENTRAL cover
1ST CENTRAL is a business name used by First Central Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority (firm reference number: 483296). Registered in England and Wales (number: 6489797) at Central House, 25 - 27 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP.