Personal Injury Benefit

Not available to add to esure Flex Car Insurance policies

What is covered?

We will pay the following benefits to an insured person or their legal representatives in the event of an accident which occurs within the personal injury benefit territorial limits that results in bodily injury during the period of cover:

  • whilst travelling or a passenger in;
  • whilst driving or;
  • whilst getting into or out of the insured car
  At fault Not at fault
Death £100,000 £30,000
Permanent Total Disablement £100,000 £30,000
Loss of, or loss of use of, two or more Limbs £100,000 £30,000
Loss of, or loss of use of, one Limb £100,000 £15,000
Loss of Sight in both eyes £100,000 £30,000
Loss of Sight in one eye £100,000 £15,000
Loss of Hearing in both ears £100,000 £30,000
Loss of Hearing in one ear £100,000 £15,000
Loss of Speech  £100,000 £30,000
Third Degree Burns £100,000 £15,000

Note: We will only make payment of one of the above benefit payments to an insured person in respect of any one accident

The maximum amount we will pay an insured person for bodily injury sustained in one accident under this section of the policy is £100,000.

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

Medical Expenses

The policyholder or named driver will receive a cash payment (except in the case of counselling/psychological therapy) 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 £750 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

Addition of cover as of 01/02/2021

In addition to the current cover under your personal injury benefit, we will now cover you for the following:


Fracture – A complete or incomplete break in a bone as a result of force.

£1000 per fractured bone, up to a maximum of £5000.

The maximum we will pay for each bone is £1000, regardless of how many fractures it sustains.

We will not pay for fractures to teeth or nails under this cover.

We will not pay for any fracture where it is caused or contributed to by Osteoporosis where the customer is aware of the condition prior to the incident.

Loss of fingers and thumbs:

Following complete and permanent loss of use or physical separation of fingers, thumbs or toes, we now offer the following policy benefits:

Loss of fingers/toes/thumbs cover Benefit payable
Loss of one thumb £5,000
Loss of more than one finger £8,000
Loss of one finger £3,500
Loss of one big toe £5,000
Loss of more than one toe (excluding big toes) £2,000
Loss of one other toe (excluding big toe) £1,000


We will not pay any amount in respect of loss of fingers/toes/thumbs where a loss of limb benefit is also payable.

Additions to medical expenses section of your personal injury benefit add on:

In the event of a fault claim, we now offer the below additional cover

  • Up to £1000 for counselling and other psychological therapies required as a result of an incident covered by this policy through our specialist provider.
  • An increased limit of £750 towards physiotherapy where it is recommended by a medical professional. This will include an up-front payment of £250 and up to £500 towards further treatment following production of suitable evidence this treatment is required.

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.