Motor Accident Plan
We are all concerned about the possibility of being seriously injured or killed in a car crash. Motor Accident Plan provides cover for you and your passengers if the worst should happen.
Should death or disablement occur as a result of a car crash or road rage incident, Motor Accident Plan will provide cover of up to £20,000 per person for the following:
- accidental death*
- loss of a limb or limbs
- loss of an eye or eyes
- loss of hearing
- loss of speech
- permanent total disablement (which prevents the person covered from doing paid work again)
Motor Accident Plan significantly enhances the personal injury cover that is included with our comprehensive cover. The table shows how Motor Accident plan compares with personal injury cover.
| About this cover | Motor Accident Plan | Personal Injury Cover (comprehensive policies) |
|---|---|---|
| What's covered? | Death, loss of limbs, loss of sight, loss of speech, loss of hearing, permanent disablement | Death, loss of limbs, loss of sight |
| Who's covered? | Policyholder, named drivers and all passengers | Policyholder and spouse/partner |
| Level of cover | £20,000 per person* | £5,000 in total (£7,500 for AA members) |
| When are you covered? | While travelling in, getting into, or getting out of an AA insured car plus cover for road rage assault | While travelling in, getting into, or getting out of an AA insured car |
| What if death or disablement happens after an incident covered by the policy? | You are covered if death or disablement occurs within 2 years of the incident | You are covered if death or disablement occurs within 3 months of the incident |
| Age limit for policyholders and named drivers | 17 to 80 | 17+ |
Policy documents
Please refer to the Policy Summary and Policy Wording for full details of Motor Accident Plan.
Motor Accident Plan Policy Summary (PDF document)
Motor Accident Plan Policy Wording (PDF document)
Last updated: September 2011
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* If an insured person is under 16 years of age, accidental death cover is £7,500.