Personal Injury Benefit - FAQ's
Here are some frequently asked questions that may help to answer any queries you have.
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If I receive several of the major injuries, will I receive the individual totals as a cumulative amount?
We will make only one payment under the personal injury benefit section of your policy to an Insured Person in respect of any one Accident, and the maximum amount we will pay an Insured Person for one Accident under this section of the policy is £30,000.
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Does this benefit affect the Additional Benefits under section 5 that covers Personal Accident?
The personal injury benefits are in addition to any payment we may make under Section 5, personal accident benefit of your policy.
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Does the Medical Expenses Benefit cover passengers in the car?
No. The only person who can claim is the driver following an accident which is deemed to be a ‘fault accident’ claim. There is cover for the passengers as part of the claim through the standard policy cover.
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What if the accident is not my fault, can I still claim the Medical Expenses benefit?
No. This benefit only applies if the Policyholder or named drivers are the driver involved in the accident which is deemed to be a ‘fault accident’. You can claim some of these expenses under the standard policy cover. You may also be able to make a claim on the insurance policy of the Third Party driver.
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When can I claim under the Medical Expenses benefit?
If you have suffered an injury as a result of a road traffic accident for which we are unable to make a recovery of the costs on your behalf.
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