Personal Injury Benefit

Many people know that their motor insurance policy provides significant compensation to any passengers killed or seriously injured in a motor accident.

However, few people realise that as the driver at fault, their motor insurance policy often provides minimal cover if they are the one killed or seriously injured. The Personal Injury Benefit therefore provides the at-fault driver with additional financial benefits to help bridge this gap.

At-fault driver injury

If the policyholder or any named driver on your policy is driving your car within the UK, Isle of Man or the Channel Islands and suffers a bodily injury in a motor accident which is their fault, esure will pay the following:

  • Death - £100,000
  • Permanent total disablement - £100,000
  • Loss of (or loss of use of) one or more limbs - £100,000
  • Loss of sight in one or both eyes - £100,000
  • Loss of hearing in one or both ears - £100,000
  • Loss of speech - £100,000
  • Third degree burns - £100,000

Medical Expenses

The policyholder or named driver will receive a cash payment towards the cost of treatment shown below, in the event of an injury sustained where they are the driver involved in a ‘fault’ accident claim within UK, Isle of Man or the Channel Islands:

 Operation/Procedure £1,000
 Hospital Overnight Stay £200 per night up to a maximum of 10 nights
 Physiotherapy Up to £250 towards the cost of treatment
 Cosmetic Dental Work Up to £500 towards treatment
 Consultant/Doctors £50 towards the fee charged to provide evidence of an injury/treatment



Already with us?

Optional Extras are easy to add to your existing policy too, call us on 0345 603 7879.

For more information and full terms and conditions, please refer to the Policy Booklet.