Motor Accident Plan

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.

• See how Motor Accident Plan compares with personal injury cover

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.