Under the Motor Vehicle Act 1988 only Third-Party Liability cover was mandatory.

Do i need personal accident cover car insurance. However its purchase with a car insurance plan is optional. Roads are filled with uncertainties. Personal accident cover Most comprehensive policies have some degree of personal accident cover in place for the policyholder and their partner.

These are called uninsured losses and can cover alternative transport while your own vehicle is being repaired loss of earnings personal injuries and the excess on your policy. You should keep any losses to a minimum and keep evidence of them. Some comprehensive car insurance policies include a level of personal accident cover as standard but you can add extra protection to boost the level of cover you get.

Under Motor Insurance a Personal Accident is important as the cover gives the owner-driver maximum financial aid in all cases. 96 of customers recommend us. Accidents are unpredictable and can have dangerous consequences such as critical injuries permanent disability or even loss of life along with property damage.

Perhaps the most useful add-on to any insurance policy is breakdown cover. Personal Accident Insurance pays out if you are severely injured or in the worst case scenario die in an accident in the hired car. What the personal accident add-on does is enhance this level of protection sometimes to the region of 100000.

If you need to hire another vehicle it should normally be similar to your own vehicle. But for sudden violent and unexpected incidents whether in the workplace or elsewhere youll want personal accident insurance. Many life insurance and fully comprehensive car insurance policies will include personal accident cover but not all will.

No height limit. For example if someone sues you or you need to go to court to get money back from an uninsured driver. According to Consumer Affairs the benefits provided by personal accident insurance may already be included in your health life or car insurance policies or they may be included in the coverage the car rental company provides.