Motor Accident Plan

Enhance your car insurance

Increase your level of personal injury cover

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

By including Motor Accident Plan on your policy you can get the following extra benefits following a car accident:

  • Up to an additional £100,000 on top of any payment provided by your AA Car Insurance policy, or any other personal accident and life insurance cover (up to £60,000 for named drivers).
  • 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 (£1,000 for named drivers).
  • £60 payment for spending between 6 and 24 hours in hospital, then for every day thereafter (£40 for named drivers). The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

The policyholder only is also covered while travelling in, getting into, or getting out of any other insured private car within the UK.

Your benefits with Motor Accident Plan

    Extra cover of £100,000 (£60,000 for named drivers)
  • 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 covered person from doing paid work again).
  • Total organic paralysis.
  • Total loss of intellectual capacity.
    Cover for loss of – or loss of use
  • Spinal column £30,000 (named drivers £20,000).
  • One hand or one foot £30,000 (named drivers £20,000).
  • Thumb £15,000 (named drivers £10,000).
  • Finger £6,000 (named drivers £4,000).
  • Big toe £15,000 (named drivers £10,000).
  • Any other toe £1,500 (named drivers £1,000).
  • Internal organs up to £15,000 (named drivers £10,000).
    More cover
  • Fractured bones up to £1,500 (named drivers £1,000).
  • Facial scarring £1,500 (named drivers £1,000).
  • Third degree burns £7,500 (named drivers £5,000).
  • Physiotherapy sessions for injuries up to £750.
  • Stress or trauma counselling up to £250.
Policy documents

Motor Accident Plan policy document

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

Policies purchased from 3 November 2020, or renewed from 3 December onwards:

Motor Accident Plan Policy Wording


Previous policy documents

Policies purchased between 14 May 2020 and 2 November 2020, or renewed between 13 June 2020 and 2 December 2020:

Motor Accident Plan Policy Wording

Policies purchased between 14 March 2018 and 13 May 2020, or renewed between 14 April 2018 and 12 June 2020:

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

0800 316 2456

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

3 May, 31 May 9am to 5pm.

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Car insurance claims 24 hrs

0800 269 622

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Policy queries

0370 533 2211

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

3 May, 31 May 9am to 5pm.

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