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
The personal injury cover that comes with our comprehensive car insurance gives up to £5,000 for 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:
- 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.
Motor Accident Plan is already included with Platinum car insurance. You can add it to Silver and Gold car insurance 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
| Motor Accident Plan | Silver, Gold, Platinum levels |
|---|---|
Bodily injury | Amount payable to named drivers and passengers |
1. Accidental death | £100,000 |
2. Loss of limb or limbs | £100,000 |
3. Loss of eye or eyes | £100,000 |
4. Loss of hearing in one or both ears | £100,000 |
5. Loss of speech | £100,000 |
6. Permanent total disablement | £100,000 |
7. Total organic paralysis | £100,000 |
8. Total loss of intellectual capacity | £100,000 |
9. Total loss of use of spinal column | £30,000 |
10. Loss of or loss of use of: | |
- One hand or one foot | £30,000 |
- A thumb | £15,000 |
- A finger | £6,000 |
- A big toe | £15,000 |
- Any other toe | £1,500 |
- Internal organs Group 1 | £15,000 |
- Internal organs Group 2 | £7,500 |
11. Fractured bones: | |
- Group 1 | £1,500 |
- Group 2 | £750 |
- Group 3 | £300 |
12. Facial scarring | £1,500 |
13. Third-degree burns | £7,500 |
14. Physiotherapy | £750 |
15. Counselling | £250 |
16. Hospital stay and temporarily disabling injury benefit | £60 a day |
AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Level 3, Plant, Basing View, Basingstoke, Hampshire RG21 4HG. 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.
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