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How important is the following on extras car insurance

  • 05-09-2015 12:04am
    #1
    torrevieja
    Registered Users, Registered Users 2 Posts: 1,673 ✭✭✭


    Driver fatal accident cover

    Personal Accident cover

    was going to remove them from policy make bill cheaper


Comments

  • #2
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    torrevieja wrote: »
    Driver fatal accident cover

    Personal Accident cover

    was going to remove them from policy make bill cheaper

    These are covers which will give you a bit of cash if you are involved in an accident where you are injured or killed.
    All details are always outlined in a policy document (i.e. how much they will pay for what) so just have a look there and decide yourself if you need it or not.


  • #3
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    Your choice, their importance is something only you can decide if it's worth a payout if you were killed or if you lost a leg in an own-fault crash, should that occur.

    Driver fatal accident cover = beneficiaries get cash if you are killed in a crash.
    Personal Accident cover = pays compensation for injury, or loss of body part (hand, arm, leg, eye, etc) usually only where no one else is to blame.


  • #4
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    slimjimmc wrote: »
    Your choice, their importance is something only you can decide if it's worth a payout if you were killed or if you lost a leg in an own-fault crash, should that occur.

    Would they not pay if it was not-your-fault crash?


  • #5
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    CiniO wrote: »
    Would they not pay if it was not-your-fault crash?

    If it's not your fault you will be fully covered by other insurer.


  • #6
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    mickdw wrote: »
    If it's not your fault you will be fully covered by other insurer.

    Of course, but I wonder if your insurer will still be obliged to pay for that (f.e. 11k for loss of limb as in line with their policy document) on top of payout from other party insurer.


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  • #7
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    CiniO wrote: »
    Would they not pay if it was not-your-fault crash?
    Depends on the fine print. In any case such extras only give limited cover and compensation is usually much less than what you may be able to claim from the other party.


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