While responsible drivers do everything they can to avoid car accidents, sometimes they're unavoidable. And when they do occur, accidents can have a huge impact on the lives of those involved — emotionally, physically and financially.
According to provisional statistics from the Department for Transport (DfT), 22,830 people were involved in serious accidents on UK roads in the year ending June 2015. Of those, 1,700 were fatalities. During the same period, there were also 180,500 road casualties.
It's better to plan for the unexpected rather than ignore the risk altogether. Personal accident cover offers financial compensation for a range of injuries to help you and others recover. You get £5,000 of personal accident cover included as standard with a comprehensive Hastings Direct or Hastings Premier policy but enhanced personal accident cover provides a greater level of protection for you and your passengers in the event of a car accident.
Injuries sustained from a car accident can be life-changing; not just for the person involved but also for their friends and family. The severity of injuries depends on lots of things, for example speed, seatbelt use, what the car made contact with, and the safety features of the cars involved.
According to road safety charity Brake, the most common injuries sustained from car accidents are:
What's important is that you consider not just how you would personally cope if you were involved in a car accident, but how those close to you would cope. For instance, your injuries might require you to take time off work and your income might come to a halt; this could be extremely stressful if you have dependents. Enhanced Personal accident cover provides financial support to help you and those close to you cope in the aftermath of a car crash.
If you're a younger driver you might assume that enhanced personal accident cover isn't necessary. However, given that young drivers are most likely to be involved in a car crash, having that extra level of cover could prove wise.
Our standard policies cover you, your spouse or civil partner for up to £5,000 in any one insured period (applicable to drivers aged under 75). You and your passengers are also entitled to claim compensation for an accident in which another driver was at fault.
Our enhanced personal accident cover is provided through Canopious and offers protection for injuries that you or any of your passengers sustain as a result of a car accident.
A total of £20,000 benefit is payable for each person in the car, up to a total of £140,000 for any of the following:
Personal accident cover also offers protection for drivers and passengers in the event of a road rage incident or car jacking, which is when a car is unlawfully stolen or seized through violence or force. The benefits include:
The personal accident cover does not provide protection for:
Unpleasant as it may be to imagine being in a car accident, it's worth considering. With enhanced personal accident, you can rest assured that you'll have financial support if the worst happens.
Full terms and conditions of our personal accident cover can be found in our additional products booklet.