Motor Accident Plan

Enhance your car insurance

Increase your level of personal injury cover

Get a cash payment if you're injured following an accident

Our comprehensive car insurance gives a level of personal injury cover limited to death or permanent total disablement.

By adding Motor Accident Plan, up to 5 people including the driver can get these extra benefits following an accident in the insured car:1
  • Up to an additional £100,000 on top of any payment provided by your car insurance policy, or any other personal accident and life insurance cover.
  • Up to £750 cover for physiotherapy sessions for injuries, including whiplash.
  • Up to £250 cover for stress or trauma counselling.
  • £1,500 payment for injuries like fractures and facial scarring.
  • £60 payment for spending between 6 and 24 hours in hospital, then for every day thereafter. The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

    1 Motor Accident Plan is optional for Silver and Gold car insurance but is included with Platinum car insurance. You can add Motor Accident Plan when you get a quote.

    The policyholder is also covered in someone else’s car. Any person aged 81 or over at the time of an accident is excluded in a claim.

Cash payments with Motor Accident Plan (MAP)

MAP – Silver, Gold, Platinum levels
MAP – standard car insurance

Bodily injury

Amount payable to named drivers and passengers

Amount payable to policyholder and named drivers

1. Accidental death

£100,000

£100,000 (£60,000 for named drivers)

2. Loss of limb or limbs

£100,000

£100,000 (£60,000 for named drivers)

3. Loss of eye or eyes

£100,000

£100,000 (£60,000 for named drivers)

4. Loss of hearing in one or both ears

£100,000

£100,000 (£60,000 for named drivers)

5. Loss of speech

£100,000

£100,000 (£60,000 for named drivers)

6. Permanent total disablement

£100,000

£100,000 (£60,000 for named drivers)

7. Total organic paralysis

£100,000

£100,000 (£60,000 for named drivers)

8. Total loss of intellectual capacity

£100,000

£100,000 (£60,000 for named drivers)

9. Total loss of use of spinal column

£30,000

£30,000 (named drivers £20,000)

10. Loss of or loss of use of:

- One hand or one foot

£30,000

£30,000 (named drivers £20,000)

- A thumb

£15,000

£15,000 (named drivers £10,000)

- A finger

£6,000

£6,000 (named drivers £4,000)

- A big toe

£15,000

£15,000 (named drivers £10,000)

- Any other toe

£1,500

£1,500 (named drivers £1,000)

- Internal organs Group 1

£15,000

£15,000 (named drivers £10,000)

- Internal organs Group 2

£7,500

£7,500 (named drivers £5,000)

11. Fractured bones:

- Group 1

£1,500

£1,500 (named drivers £1,000)

- Group 2

£750

£750 (names drivers £500)

- Group 3

£300

£300 (names drivers £200)

12. Facial scarring

£1,500

£1,500 (named drivers £1,000)

13. Third-degree burns

£7,500

£7,500 (named drivers £5,000)

14. Physiotherapy

£750

£750

15. Counselling

£250

£250

16. Hospital stay and temporarily disabling injury benefit

£60 a day

£60 a day (named drivers £40)

Policy booklets

Please read all of the information relating to your policy before you buy Motor Accident Plan cover.

Silver, Gold or Platinum car insurance

Policies purchased or renewed from 30 December 2023:

Car Insurance Policy Booklet

Policies purchased between 1 March 2023 and 29 December 2023:

Car Insurance Policy Booklet

Standard car insurance

Policies starting or renewed from 30 December 2023:

Motor Accident Plan Policy Wording


Policies purchased between 8 December 2021 and 29 December 2023, with cover starting on or before 29 December 2023:

Motor Accident Plan Policy Wording

Policies renewed between 8 January 2022 and 29 December 2023:

Motor Accident Plan Policy Wording


Good to know

AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

Car insurance

0330 053 0228

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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Car insurance claims 24/7

0330 053 0322

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Policy queries

0370 533 2211

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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