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Personal accident benefit in motor insurance- worth it?

  • 07-01-2011 3:16am
    #1
    take everything
    Registered Users, Registered Users 2 Posts: 9,810 ✭✭✭


    I'm unsure as to whether i should add personal accident benefit to my motor insurance (for an extra 100 euro).
    I've been doing fine on cheap and cheerful (albeit fully comp.) motor insurance for a while, not really paying attention to how much PAB cover i had but i've just started to obsess over it now for no reason. :p

    By all accounts, many policies just do the minimum PAB cover (5000 say) so i'm not alone.
    But the AA cover up to 75000.

    Do i really need this- i have VHI.
    Who has this on their policy?


Comments

  • #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    take everything wrote: »
    I'm unsure as to whether i should add personal accident benefit to my motor insurance (for an extra 100 euro).
    I've been doing fine on cheap and cheerful (albeit fully comp.) motor insurance for a while, not really paying attention to how much PAB cover i had but i've just started to obsess over it now for no reason. :p

    By all accounts, many policies just do the minimum PAB cover (5000 say) so i'm not alone.
    But the AA cover up to 75000.

    Do i really need this- i have VHI.
    Who has this on their policy?
    If the extension gives you a weekly/monthly amount while you are injured it may be worth it. If it only gives you an amount in the event of a loss of limb or death etc, it is not worth it and poor value


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