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Personal Accident Cover.

Enhanced protection for you and your loved ones following an accident.

Add Personal Accident Cover
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What's Covered.

Personal Accident Cover provides financial support if an accident involving your car results in serious injury. Cover applies regardless of fault, subject to policy terms and conditions

Read policy wording

  • Up to £60,000 of Cover

    If you or anyone in your car under the age of 80 is injured or loses their life in an accident, you'll be covered up to: 

    • £60,000 for each insured person aged 16 or over 
    • £35,000 for each insured person under 16

  • Aftercare Support

    We'll cover the costs of any aftercare support you may need, including up to £4,000 towards aftercare costs. 

  • Cover for hospital stays

    If your accident has resulted in a hospital stay, you'll be covered for: 

    • £100 per day, up to 180 days 
    • Applies if you're hospitalised or temporarily unable to work or carry out normal activities due to injury

  • Protection for everyone

    Our cover protects anyone in the car, including

    • The policy holder
    • Named drivers
    • Any passengers in the car under the age of 80

Making a Personal Accident claim

If Personal Accident Cover is included in your policy, head to Coplus to start a claim as soon as possible after the accident. 

Make a claim online

Answers to important questions.

Explore All FAQs
Are my passengers covered for Personal Accident in my car without the additional cover?

All our comprehensive products include up to £7,500 of Personal Accident Cover for the policyholder. This cover isn't included with our Motivo Essentials policy. If you’d like to cover your passengers too, you can choose to pay an 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 Motivo, you can easily add Personal Accident Cover at any time during the year in Your Account.

The cost of including this cover will be based on how much time is left until your policy renewal.

What does the additional Personal Accident cover protect me for?

What is covered?

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:

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 fault.

What isn't covered?

• Any accidents suffered at age 81 or older

• Accidents involving the use of vehicles other than private cars

• Sickness or disease

• Breach of policy conditions

View full details of our Personal Accident cover here.

What are the age limits for Personal Accident car insurance cover?

Anyone over the age of 87 is not covered by Motivo's Personal Accident Cover.

The death benefit for under 16s is limited to £7,500.

What isn't covered by Motivo car insurance Personal Accident Cover?

Personal Accident Cover is included in all Comprehensive policies (excluding our Motivo Essentials product).

Only one benefit will be paid to each insured person, you can check your policy wording via Your Account.

Explore All FAQs