Personal accident insurance or critical illness cover?

I’m currently researching insurances to cover me should i fall too ill to work, which is best personal accident or critical illness?

 

Question asked by Gemma Beachwood
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Samantha Haffenden - Angear

Critical illness vs Personal Accident insurance

To start with, Drewberry would usually recommend critical illness insurance over personal accident insurance. The main reason being, Personal Accident Insurance is an inferior insurance product in comparison that covers you for major injuries specified in the policy documents, usually loss of limbs, major fracture injuries and other scenarios such as loss of sight to both eyes, loss of speech or loss of hearing. For which you would receive a small lump sum generally capped at £5,000 to £20,000.

Why Drewberry usually recommends Critical Illness cover

The main reason Drewberry would usually always recommend critical illness cover is because there are many comprehensive plans on the market which allow you to choose the conditions for which you want to be covered, some plans can cover over 170 illnesses and disabilities (personal accident plans often only cover serious injuries) and also pay out on a proportionate basis giving you the peace of mind that you will definitely get a payout relating to the seriousness of your injury.

Critical illness plans are medically underwritten at the point of inception so you know exactly what you are covered for from the outset. The sum assured can be a lot higher than the personal accident cover as it is up to you the amount you want to be covered. For example you may want to ensure the amount outstanding on your mortgage is covered.

critical illness insurance
 
personal accident insurance
 
claim
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
We have just had our first child and have woken up to the fact I have no protection currently should...
 
I’m looking to take out critical illness insurance to pay off my mortgage if i should fall ill....
 
I’m currently researching insurances to cover me should i fall too ill to work, which is best personal...
 
What’s the difference between the two types of insurance? I’m looking to be able to pay my...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Jayant Rampuria
06/10/2018

Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!

James Mclauchlan
05/10/2018

Josh did a great job. Did all the legwork for me in getting the best quote and even handed it over to someone else whilst he was away, then finished the whole thing once he was back – impressed!

Raviteja Sajja
02/10/2018

Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1828 Reviews
A Lovell
Overall Rating
Extremely helpful and able to understand the various issues and constraint
D at Inforcehub
Overall Rating
Very knowledgeable and easy to deal with.
A Kanwal
Overall Rating
Bronja Whitlock was absolutely brilliant, as my mind isn’t in the right place at the moment due to the loss of my partner and I forgot who my insurers were or if I was covered. I therefore contacted her from an old email that I had from a few years just explaining my situation. I wasn’t expecting a response to be honest, but Bronja replied back the same day. She didn’t just reply with the most empathising response, but she also contacted the insurance company and told them of my situation and ordered my claim pack on my behalf, which I can’t appreciate enough. Bronja Whitlock you are an asset to your company. Thank you.
R Sajja
Overall Rating
Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.
S G
Overall Rating
Rauri has been very professional and has responded promptly to any queries. Very friendly nature too