This cover pays a fixed sum if you die or are injured as a result of an accident. Cover can operate for business and pleasure on a 24 hour 365 day basis. It is a surprisingly inexpensive way of covering yourself in the event of an accident.

For example, if you are involved in a motor accident and it is your own fault there will be no payment to you should you become disabled or die as a result even if you have a fully comprehensive policy. Some companies may cover their employees whilst driving company vehicles to offer some recourse in the event of an accident where the employer is not legally obliged to pay any compensation but would like to make a benefit payable to the employee.