While responsible drivers do everything they can to drive safely, sometimes accidents are unavoidable.
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. A comprehensive Hastings Direct or Hastings Premier policy includes £5,000 of personal accident cover for you and your spouse / partner as standard. Hastings Essential policies include the basics to keep premiums low, so please check your policy documents for details about your cover. Enhanced personal accident cover provides a greater level of cover for you and your passengers in the event of a car accident.
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:
These could include cuts or punctures to the skin, broken bones (such as noses and jaws), and eye injuries resulting in blindness or partial blindness.
Road accidents account for the largest cause of spinal cord injuries on a global scale. During a car accident it's possible for spinal nerves below the area of injury to become partially or fully cut off from the brain, which can lead to paralysis of limbs or areas of the body.
Around one million people visit A&E departments every year with a form of brain trauma and road incidents account for 40-50% of all brain injuries. Those suffering from head trauma sometimes find their memory or speech is affected.
Serious incidents can also result in the loss of an arm or leg, which can seriously affect quality of life for the sufferer.
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 Canopius 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 also offers cover 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:
Full terms and conditions of our personal accident cover can be found in our additional products booklet.
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