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Reduce the impact of unwelcome surprises when you’re on the road
If you or a family member are injured in a car accident, Increased Personal Accident cover could provide welcome financial support at a tough time.
Personal accident cover provides financial protection if you or your named spouse/domestic partner are seriously injured as a result of an accident involving your car. Our Comprehensive policies include £5,000 personal accident cover for selected serious injuries as standard.
Increased Personal Accident extends cover for serious injuries or accidental death from £5,000 up to £150,000 per person. Family members in your vehicle don’t have to be named on your policy but are also covered. You and your named spouse/partner are even covered when driving borrowed vehicles.
You can add Increased Personal Accident cover to your Saga car insurance policy. If a valid claim is made, the compensation will be paid regardless of who was at fault for the accident.
Although it’s unlikely you'll ever need to make a claim, if the worst does happen the benefit paid out could be substantial and help to compensate for things like loss of earnings, making adjustments to your home, time away to recuperate or even just to help paying for things like taxis to medical appointments.
Your Increased Personal Accident cover can compensate you for injuries that have life-long consequences, as well as less serious injuries that you should ultimately recover from.
| What's covered | Benefit amount |
|---|---|
|
Accidental death
|
£150,000
|
|
Permanent total disablement
|
£150,000
|
|
Loss of limb – one or more
|
£150,000
|
|
Loss of sight
|
£150,000
|
|
Total and irrecoverable loss of hearing
|
£150,000
|
|
Total and irrecoverable loss of speech
|
£150,000
|
|
Total and irrecoverable organic paralysis
|
£150,000
|
|
Total and irrecoverable loss of intellectual capacity
|
£150,000
|
|
Loss of, or permanent total and irrecoverable loss of us of one hand or one foot
|
£50,000
|
|
Loss of, or permanent total and irrecoverable loss of use of:
A thumb A finger A big toe Any other toe |
£20,000
£10,000 £20,000 £10,000 |
|
Total and irrecoverable loss of use of the spleen
|
£7,500
|
|
A fractured pelvis
|
£5,000
|
|
A fractured collarbone
|
£3,500
|
|
Facial scarring
|
£1,500
|
|
Third-degree burns
|
£15,000
|
|
Physiotherapy
|
Up to £2,000
|
|
Emergency dental treatment
|
Up to £1,000
|
|
Counselling therapy
|
Up to £1,000
|
In addition, Increased Personal Accident cover also includes cover for a wide range of smaller injuries, such as a broken wrist, ankle or nose.
Emergency dental treatment is also covered, as is counselling therapy, and you even get £300 if you spend a night in hospital, with £200 for each consecutive night, up to a total of 180 nights.
Get the insurance you need to keep you, your car and your colleagues covered when you drive your car for business.
Like the cover and price you got with Saga Car Insurance? Give your other cars the Saga treatment too.
Get to know the ins and outs of our car insurance and how you can make the most of your cover
Your personal accident insurance won’t cover claims in certain scenarios, even with Saga’s Increased Personal Accident cover. These situations include:
Your personal accident cover policy can’t be transferred between people, and you won’t be able to make a claim on more than one Saga Increased Personal Accident policy.
While car insurance is a legal requirement for drivers in the UK, Increased Personal Accident cover is an optional extra. So, is an extended personal accident cover policy worth it? Here are some things to consider.
Accidents can happen, so getting personal accident cover could give you some peace of mind in knowing that you or your loved ones can be financially protected in the event of a road traffic accident. It might be unthinkable, but would you or your family be able to cope financially if you were seriously injured in a car accident and were unable to work?
Increased Personal Accident cover may be more appealing if you have dependants, as it can protect not just you, but any additional family members. While a standard personal accident policy will cover the policyholder and partner.
By getting Personal Accident cover you’ll have financial protection regardless of which family member sustains an injury (or dies), and regardless of who was at fault, giving you extra peace of mind.
Everyone has different needs, so it may be worth reflecting on whether the £5,000 included in our Comprehensive policies for death and loss of sight/limb gives you the protection you need. Or if you want to increase this to cover a wider range of injuries up to £150,000 then you can add Increased Personal Accident to your quote or your existing Saga Car Insurance policy.
You can add Increased Personal Accident cover to your Saga car insurance for £13 per year.
And if you ever need to make a car insurance claim, our friendly team will be on hand to ensure your claim is dealt with as quickly as possible.
Increased Personal Accident cover is underwritten by Acromas Insurance Company Limited.
Add Increased Personal Accident cover to your existing Saga Car Insurance policy in MySaga. Or make sure to include it when you get a new quote online.
There's plenty to explore and learn about our car insurance cover.
Cover for fire damage or theft of your car, and for if other people claim injury, or damages to their car or property.
Enjoy the thrills of the open road when you’re covered by high-performance car insurance.
Your needs and experience catered for, with over 80s car insurance from Saga.
Understand how to earn and keep a No Claim Discount and how it can positively impact your car insurance costs.
Looking to add a named driver? Find out what a second driver means for your insurance policy and your no claims discount.
Find out how to keep on driving for longer once you reach 70, with all the latest driving and insurance advice.
You'll be protected with the legal minimum cover against damage to third party cars and occupants, and others’ property.
Like the cover and price you got with Saga Car Insurance? Give your other cars the Saga treatment too.
