Am I covered for personal injuries?
Personal Accident Cover is only included our Comprehensive Car Insurance Policy. For a full summary on inclusions and exclusions, view our summary table here.
What is Personal Accident Cover?
If the policy is in your name, you’re covered if you or your spouse suffer accidental bodily injury in direct connection with your car and if within three months of the accident, the injury is the sole cause of death, irrevocable loss of sight or the total loss of one or more limbs.
How do I know who is covered?
You are covered if
(i) The Policy is in the name of an individual
(ii) Our liability does not exceed €5,000 in total for all claims in any one period of 12 months
(iii) Only one of the above benefits apply for each person injured;
(iv) The driver of your car was not under the influence of alcohol, drugs or solvent abuse at the time of the injury;
(v) Death or bodily injury was not due to suicide or attempted suicide.
Are there specific amounts paid out?
Yes, for Personal Accidents, the benefits paid out are:
- Death €5,000
- Total and irrecoverable loss of sight of one eye €2,500 or total and irrecoverable loss of sight of both eyes €5,000
- Total loss of one or more limbs which have been severed at or above the wrist or ankle €2,500
