Motor Accident Plan

Enhance your car insurance

Increase your level of personal injury cover

Get a cash payment if you're injured following an accident

The personal injury cover that comes with our comprehensive car insurance gives up to £5,000 for death or permanent total disablement.

By adding Motor Accident Plan, up to 5 people including the driver can get these extra benefits following an accident in the insured car:

  • Up to an additional £100,000 on top of any payment provided by your car insurance policy, or any other personal accident and life insurance cover.
  • Up to £750 cover for physiotherapy sessions for injuries, including whiplash.
  • Up to £250 cover for stress or trauma counselling.
  • £1,500 payment for injuries like fractures and facial scarring.
  • £60 payment for spending between 6 and 24 hours in hospital, then for every day thereafter. The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

    Motor Accident Plan is already included with Platinum car insurance. You can add it to Silver and Gold car insurance when you get a quote.

    The policyholder is also covered in someone else’s car. Any person aged 81 or over at the time of an accident is excluded in a claim.

Cash payments with Motor Accident Plan

Motor Accident Plan
Silver, Gold, Platinum levels

Bodily injury

Amount payable to named drivers and passengers

1. Accidental death

£100,000

2. Loss of limb or limbs

£100,000

3. Loss of eye or eyes

£100,000

4. Loss of hearing in one or both ears

£100,000

5. Loss of speech

£100,000

6. Permanent total disablement

£100,000

7. Total organic paralysis

£100,000

8. Total loss of intellectual capacity

£100,000

9. Total loss of use of spinal column

£30,000

10. Loss of or loss of use of:

- One hand or one foot

£30,000

- A thumb

£15,000

- A finger

£6,000

- A big toe

£15,000

- Any other toe

£1,500

- Internal organs Group 1

£15,000

- Internal organs Group 2

£7,500

11. Fractured bones:

- Group 1

£1,500

- Group 2

£750

- Group 3

£300

12. Facial scarring

£1,500

13. Third-degree burns

£7,500

14. Physiotherapy

£750

15. Counselling

£250

16. Hospital stay and temporarily disabling injury benefit

£60 a day

Policy booklets

Please read all of the information relating to your policy before you buy Motor Accident Plan cover.

Silver, Gold or Platinum car insurance

Policies purchased or renewed from 30 December 2023:

Car Insurance Policy Booklet

Policies purchased between 1 March 2023 and 29 December 2023:

Car Insurance Policy Booklet

Standard car insurance

Policies starting between 30 December 2023 and 30 September 2024, or renewed between 30 December 2023 and 6 September 2024:

Motor Accident Plan Policy Wording


Policies purchased between 8 December 2021 and 29 December 2023, with cover starting on or before 29 December 2023:

Motor Accident Plan Policy Wording

Policies renewed between 8 January 2022 and 29 December 2023:

Motor Accident Plan Policy Wording


Good to know

AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

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