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Personal Accident Insurance

Accidents happen, insurance protects.

0330 024 0087

The Personal Accident Insurance Specialists

Personal Accident Insurance

Because accidents do happen, there's insurance.

Nobody expects the worst to happen.

That why insurance exists – to protect against the unexpected.

Your health is precious. What’s more, if you are hurt in an accident, the bills can soon add up, especially if your injuries require you to take time off work.

Add Motor Accident Injury Protection cover – a form of personal accident insurance – to your Principal motorcycle, car,  motorhome or van insurance policy and you’ll be adding invaluable peace of mind thanks to generous cover limits of up to £30,000.*

Personal Accident Insurance Benefits

Our extensive motor personal accident insurance covers a wide variety of possible eventualities.

These include accidental death, injury and disablement arising from a motor vehicle accident.

The insurance we arrange covers the policyholder or an authorised driver/rider of the insured car, motorcycle or van.

It insures against the death or bodily injury caused by a motoring accident or assault whilst travelling getting on, into or out of the insured vehicle.

It also provides cover if you are outside the insured vehicle conducting emergency roadside repair or seeking emergency roadside assistance.

What does our motor accident injury protection cover?*

Accidental injuries covered by the personal accident insurance police we arrange, include:

  • Accidental death – £30,000 (or £10,000 for insured persons aged under 18)
  • Permanent loss of limbs (above ankles or wrists) – £30,000
  • Loss of limb below ankle or wrist – £10,000
  • Loss of speech – £30,000
  • Permanent total loss of sight (in one or both eyes) – £30,000
  • Permanent loss of hearing (in both ears) – £30,000
  • Permanent loss of hearing (in one ear) – £10,000
  • Permanent total disablement – £30,000
  • Fractured bones for pelvis, arm, leg, skull, vertebrae, jaw, knee, hand or facial bones, shoulder blade, elbow, sternum, wrist, ankle collar bone or coccyx – £1,000 per bone, up to £5,000.
  • Fractured bones for nose and minor bones – £500 per bone up to £2,500
  • Third-degree burns – £3,000
  • Facial scarring – £500
  • Daily hospitalisation benefit –  £100 per day for for up to 30 days
  • Emergency dental expenses – up to £1,000 for emergency dental treatment to natural teeth within seven days of accident (excluding first £25 of every claim)
  • Physiotherapy – £2,000
  • Stress counselling – £2,000



Buy with any car, motorhome, van or motorcycle insurance policy.
Generous cover limits of up to £30,000.*
Covers accidental death, injury and disablement arising from a motor vehicle accident
Covers the policyholder or an authorised driver/rider of the insured car, motorcycle or van
FOR OUR BEST QUOTE CALL
0330 024 0087

For the best quote chat to our friendly and informed UK based call centre team

For more details please click to download the Insurance Product Information Document and/or policy wording.

Our motor accident  injury insurance is only available when you take out an annual car, van or motorcycle insurance policy through Principal and will run concurrently with that policy.  * Limits vary depending upon injury. This insurance policy is arranged by Motorplus Limited t/a Coplus and . Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657). It is underwritten by Astrenska Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FCA number 202846.

WE PREFER TO TALK

WHY CHOOSE PRINCIPAL INSURANCE?

Because we put our policyholders first, we now serve around 40,000 motorcyclists, motorists, classic car enthusiasts, van drivers, couriers, motorhome owners, homeowners and motor trade professionals nationally.

Whilst we embrace the latest quote and administration technologies, you might say we’re a bit old school.

That’s because we’d prefer to talk to you in order to get the best possible understanding of your needs. That then means we are properly equipped to seek out the best deal for you from our extensive panel of leading UK insurers.*

What’s more we are able to give motorbike insurance, car, van, motorhome, multi-vehicle, home and commercial insurance quotes.

Our impressive growth has been achieved not through multi-million pound marketing campaigns but by delivering old fashioned service.

That can mean finding you the lowest possible insurance quote from our panel of insurers or, if you need make a claim, ensuring that you have access to specialist assistance so that the process is as prompt and painless as possible.

We’re a company with personality, one that instead of demanding staff always follow stringent call scripts and call length targets, encourages them to chat so they can provide you with the highest quality of service.


An independent broker, we source the best quotes from the UK’s leading specialist insurers.
With no call length targets, our experts take the time to find you the best deal.
We’re here to help – with dedicated claims and customer service support.
Our quotes hotline open weekdays 9.00am-6.00pm and Saturdays 9am-1pm.

DON”T JUST TAKE OUR WORD

WHAT OUR CUSTOMERS SAY ABOUT US

Excellent, in every aspect , Effortless, swift and competitive insurance obtained for my campervan. Super service received by Ashley whom dealt with my call, so refreshing to deal with an agent with great communication skills. He was extremely polite , genuine and patient. A real credit to your company . Highly recommended.
Anna James
October 23, 2023
Very strait forward and no hidden costs at the end of the purchase. If they don’t increase their price for next year, I’ll use them again.
Peter Beby
October 14, 2023
Very professional and friendly service from Sam , made everything very clear and straightforward Follow up call with Taher also extremely good and query quickly and efficiently dealt with
John
October 19, 2023
Very professional approach by Joe who took my call. I was concerned over an email I’d had inviting me to click on a link. He understood and we sorted everything out. Good people for customer service which is sadly lacking these days by other companies. Will use Principal again. Thanks
Roger Saxon
October 13, 2023
Taz this guy was so helpful, kept me informed all the way through, even got my quote £300 cheaper than online. I feel like I should send him a gift card or something to say thank you. Best experience I’ve ever had getting insurance. Top man someone give a promotion!
Cash Jones
October 11, 2023
Very professional approach by Joe who took my call. I was concerned over an email I’d had inviting me to click on a link. He understood and we sorted everything out. Good people for customer service which is sadly lacking these days by other companies. Will use Principal again. Thanks
Neil Hatch
October 12, 2023
Excellent
1,355 Reviews
FOR OUR BEST QUOTE CALL

For the best quote chat to our friendly and informed UK based call centre team