Personal Accident Cover
What's covered with Personal Accident Cover?
Get enhanced protection for you and your loved ones with 1st Central Personal Accident Cover.
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What's covered?
Personal Accident Cover provides financial support if you experience an accident that leads to injury or loss of life. This coverage is designed to help you and your loved ones during difficult times, ensuring that you have assistance when you need it most.
Up to £60,000 of cover
If you or anyone in your car is injured or loses their life in an accident, you'll be covered up to £60,000 for people aged 16 and over, and up to £25,000 for those under 16, no matter who is at fault.
Up to £4,000 for aftercare
We’ll cover the costs of any aftercare support you may need, including £2,000 each for physiotherapy and counselling.
Cover if you need to stay in hospital
Get £100 a day for up to 180 days if you’re hospitalised or can’t work or carry out daily activities due to temporary injuries.
Protection for everyone
Our cover protects anyone in the car, including the policyholder, named drivers and any passengers.
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How to make a Personal Accident claim
If you have Personal Accident Cover included in your policy and would like to claim, please contact our Personal Accident partner, Coplus via their claims line on 0333 241 4633, 24 hours a day, 7 days a week.
Your Personal Accident claim will be handled by Coplus, who will send you a claim form for completion and return, together with details of what supporting documents you’ll need to supply.
*If your policy was pre 29 Dec 2023 please refer to your policy documents.
Speak to our Personal Accident partner on 0333 241 4633
They’re open 24 hours, 7 days a week
Answers to important questions
Are my passengers covered for Personal Accident without the additional cover?
Our standard, Plus, Legal and Premier products include £5,000 of Personal Accident Cover for the policyholder only. If you’d like to cover your passengers too, you can choose to pay a small additional premium for extra Personal Accident Cover.
There are two ways of purchasing Personal Accident Cover:
You can take out Personal Accident Cover when you purchase a car insurance policy online or over the phone.
If you already have a car insurance policy with 1st Central, you can easily add Personal Accident Cover at any time during the year in Your Account.
There will be a proportional cost to include this cover until renewal.
What does the additional Personal Accident cover protect me for?
Although it's not something we like to think about, an accident can happen at any time and can leave you and your family struggling to cope financially.
Our Personal Accident Cover gives you peace of mind and provides support for you and your loved ones in the unfortunate event of death or certain serious injuries.
Our additional Personal Accident Cover will allow you to claim:*
- Up to an additional £60,000 for certain injuries or death to yourself, or any passengers following an accident in your car
- £100 a day for up to 180 days for hospitalisation costs or following temporary injuries preventing you from working or completing daily activities
- Aftercare benefits such as physiotherapy and counselling (£2,000 for each)
Even if you don’t regularly carry passengers, you may still want to consider if you should have cover for yourself should an accident happen.
You’ll get the pay-out regardless of who’s to blame.
Some age limits apply.
*Please refer to your documents in Your Account for more detail of what’s included.
What are the age limits for Personal Accident Cover?
Anyone over the age of 80 is not covered by 1st Central's Personal Accident Cover.
The death benefit for under 16s is limited to £7,500.
View full details of our Personal Accident Cover here.
What isn't covered by 1st Central's Personal Accident Cover?
- Anyone aged 80 or over
- Childbirth or pregnancy
- Breach of policy conditions
- Intentional self-injury
Please note, only one of the benefits will be payable per insured person.
View full details of our Personal Accident Cover.
I think I have Personal Accident Cover elsewhere, do I need it with 1st Central?
Some customers may have Personal Accident Cover elsewhere, but if you take out 1st Central's Personal Accident Cover, you’ll receive the compensation regardless of what other cover you may have.
This means that you can extend your cover further, provided your other policies don’t prevent you claiming more than once.
Some age limits apply - View full details on our website in our Insurance Document Wording. Here you can also find the Optional Personal Accident Policy Wording.
Ready to add Personal Accident Cover?
If you would like to add this cover, you can take this out at any time during the year.