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Personal accident cover insurance
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Personal accident cover insurance
Accidents tend to happen unexpectedly, and the aftermath isn’t always something that’s easy to recover from. Some accidents are easy to recover from, but others are more serious, and end up placing a huge amount of pressure on you and your family. This is especially true if an injury resulting from the accident stops you working or leads to serious, long-term consequences. Though there’s no way to avoid accidents altogether, regardless of how careful and cautious you are, personal accident cover does help you to weather the storm. By offering financial protection following an accidental injury or death, given in the form of a lump sum payment, personal accident covers help you to cope during a difficult time.
At Everest Mortgages, we help you to feel reassured following a personal accident by helping you to find the ideal cover for you. There are a lot of personal accident policies out there, but we’ll narrow down your options and steer you in the right direction.
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What is personal accident cover?
Personal accident cover is designed to provide a cash payout, to you or your family, if you’re seriously injured in an accident. It’s often offered as an added extra with car insurance, but cover can also be taken out as a standalone policy. Unlike other types of insurance that rely on proving who was at fault, personal accident cover pays out regardless of who caused the incident. It acts as a financial buffer, helping you or your loved ones to manage the impact of life changing injuries stemming from an accident.
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What does personal accident cover include?
The exact level of protection varies by insurer, and you have the freedom to choose protection that aligns with your budget. But, most personal accident policies tend to cover:
Serious and Permanent Injuries
You may receive a lump sum payment if an accident leads to permanent loss of sight, permanent hearing loss, loss of one or more limbs and other defined, irreversible injuries.
This money can help with household bills, adaptations to your home, mobility aids or ongoing care.
Fatal Accidents
If you were to lose your life due to a car accident, the policy would pay a lump sum to your family or chosen beneficiary. This can help cover things like funeral expenses and living costs.
Minor Injury Support
Not all insurers include minor injuries in personal accident cover, but some do. This gives you access to short-term support services, such as physiotherapy, assessments or rehabilitation, helping you to recover more quickly after a non-serious injury.
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Do you need personal accident cover?
Personal accident cover isn’t by no means a legal requirement, but it is something a lot of people choose to get, and we can see why. Not only does personal accident cover help you financially if you’re seriously injured, it can also provide peace of mind, knowing that there’s a safety net there should you need it. You might want to consider personal accident cover if:
- You rely on your income to support your household.
- You want added financial security should a serious accident occur.
- You don’t have other forms of personal injury protection.
Once you’ve decided to get personal accident cover, you need to choose the right policy for you. There are a lot out there, from a wide range of insurers, and trying to narrow down your options can be daunting. Luckily, we’re here to help. At Everest Mortgages, we’ll match you with the right personal accident cover, ensuring you’re protected in a way that works for you.
John Everest
Mortgage & Protection Adviser, Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
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Why choose Everest Mortgages?
Independent protection advice that puts your family first, with cover built around your home, your health and your budget.
Cover that fits your life
Level or decreasing, single or joint. We match your cover to your mortgage, your family and what you actually need to protect.
We compare leading UK insurers
We aren't tied to any one provider, so we can compare policies across the market and recommend the right cover at the right price.
Help with medical conditions
A health condition doesn't have to mean higher premiums or a refusal. We know which insurers take a fairer view of your circumstances.
Policies written in trust
We help you put your policy in trust, so any payout can reach your loved ones quickly and may sit outside your estate for inheritance tax.
We handle the paperwork
From the application to underwriting questions, we deal with the insurer for you. We work around your schedule, evenings and weekends included.
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