Motor Accident Plan optional cover

Motor Accident Plan

Extend your car insurance with Motor Accident Plan cover

Motor Accident Plan

AA comprehensive car insurance provides 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:

  • Up to an additional £60,000 on top of any payment provided by your AA car insurance policy, or any other personal accident and life insurance cover (up to £40,000 for named drivers)
  • Cover up to £7,500 for burns (£5,000 for named drivers)
  • Cover up to £1,500 for a wider range of injuries including fractures and facial scarring (£1,000 for named drivers)
  • £60 cash payment for every 24 hours spent in hospital following a car accident (£40 for named drivers)

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

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Enhance your comprehensive car insurance

Extra cover of £60,000 (£40,000 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)

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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). You can check their register or call the FCA on 0800 111 6768.

Compare Motor Accident Plan with Personal Injury

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 total disablement

Range of other injuries including fractures, burns and facial scarring
Death, loss of limbs, loss of sight
Who's covered? Policyholder and named drivers Policyholder and spouse/partner
Level of cover Up to £60,000 (up to £40,000 for named drivers) £5,000 per person
(£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.

The Policyholder only is also covered whilst travelling in, getting into, or getting out of any other insured private car within the UK
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+

* Please note the maximum age for new customers is 79, and you cannot claim on this policy if aged 81 and older.

Motor Accident Plan policy documents

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

Policies starting from 25 November 2015 or renewed from 23 December 2015 onwards

Motor Accident Plan Policy Summary (November 2015)

Motor Accident Plan Policy Wording (November 2015)

Previous policy documents

Please refer to following policy booklets for policies starting or renewed between the dates shown.

1 April 2014 to 24 November 2015 (renewal date 1 April 2014 to 22 December 2015)

Motor Accident Plan Policy Summary (April 2014)

Motor Accident Plan Policy Wording (April 2014)



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