Do I need Increased Personal accident cover?
While car insurance is a legal requirement for drivers in the UK, Increased Personal Accident cover is an optional extra. So, is an extended personal accident cover policy worth it? Here are some things to consider.
Are you financially secure?
Accidents can happen, so getting personal accident cover could give you some peace of mind in knowing that you or your loved ones can be financially protected in the event of a road traffic accident. It might be unthinkable, but would you or your family be able to cope financially if you were seriously injured in a car accident and were unable to work?
Do you have a family?
Increased Personal Accident cover may be more appealing if you have dependants, as it can protect not just you, but any additional family members. While a standard personal accident policy will cover the policyholder and partner.
By getting Personal Accident cover you’ll have financial protection regardless of which family member sustains an injury (or dies), and regardless of who was at fault, giving you extra peace of mind.
Is standard personal accident cover enough?
Everyone has different needs, so it may be worth reflecting on whether the £5,000 included in our Comprehensive policies for death and loss of sight/limb gives you the protection you need. Or if you want to increase this to cover a wider range of injuries up to £150,000 then you can add Increased Personal Accident to your quote or your existing Saga Car Insurance policy.