* Fiesta Insurance 'cover' Query?

[BHeart]

Hi, I've received my renewal letter from Tesco Ins and although the price seems ok for fully comp, I did notice four 'not covered' options that I was not covered for and one of those was for "driver injury not covered".

I've been with Tesco for many years and I've not seen that before.

Maybe I'm not reading it properly and I do intend to call them and query this but, surely with fully comp insurance, the driver is covered for injury?

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[GrahamJC]

If you were injured as a result of the negligence of another driver, then you would recover damages from that driver. Your

own fully comprehensive policy does not cover you for personal injuries caused by your own negligence.

[BHeart]

So, is personal injury through driver negligence a costed extra?

Also, has this always been the case and, if so, I was never aware of it and I've never seen it highlighted ("driver injury not covered") on any previous renewal paperwork until now?

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[Philf1]

You can probably buy the cover for an extra premium

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[GrahamJC]

If you suffer a personal injury which is your fault (such as falling of a bike or crashing a car) you would need some sort of

p.i. insurance in place or you get nothing. As Phil says, you may be able to buy it as an 'add on' or take out a separate

policy to cover this. There are others on this site who may be able to point you in the right direction, if not ask your

insurer or an insurance broker.

[Paramanic]

I get the extra cover for my admiral for free as they wanted to keep me as a customer

[GrahamJC]

Do you know the financial limit of the cover you have are you sure you are covered for personal injury caused by your own

negligence?

[BHeart]

I'be just looked at my current insurance paperwork and the option to add 'driver injury cover' was not in the list of 'add-ons' so, they have added it as an option on this years renewal.

The standard cover for driver injury through 'at fault' is £5,000 if you are injured or die and the newly added option increases this cover to around 50,000 (or more - can't remember exact sum - will update when I check it later).

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[Phil 87]

This is news to me to, I'll admit I tend not to read all the documentation that comes with insurance policies but I would have thought "fully comprehensive car insurance" would protect the most important thing involved in the policy i.e. the person in the car. I'd better have a look at my insurance and find out if I'm covered.

[BHeart]

Hi Phil

Yes, I know what you mean; it does sound crazy to me!

I've always thought that the driver, including named drivers, would be fully covered with FULLY comprehensive insurance and I do believe that up until recently, that was the case; at least with Tesco.

This 'add-on' was not listed on last Februarys Tesco paperwork so, it's obviously just been introduced as optional cover at an extra cost of £38 which covers the driver (including named drivers) for up to £100,000 no matter who was to blame.

I thought their renewal premium was pretty good but, if I add £38 on, it's starts to become very similar to the other quotes that I've recently had online.

I'm now left wondering, if you are involved in a non-fault accident where the third party insurers are fully liable and, as the driver, you are injured, how much would you be covered for?

I will be calling Tesco to query this newly added option, prior to my renewal on the 11th February.

[GrahamJC]

'I'm now left wondering, if you are involved in a non-fault accident where the third party insurers are fully liable and, as the driver, you are injured, how much would you be covered for?' - It may just be me but I am not quite sure what you are asking. Firstly, unless a car has an undetected mechanical defect (not caused by lack of maintenance) or the driver has been taken ill at the wheel, RTCs are always the fault of one or all of the drivers involved. If you are blameless then the other driver's insurer pay out for you personal injuries, damage to your vehicle and any other foreseeable losses. If you are to

blame and have fully comprehensive insurance, your insurer will (depending on the terms of your policy) repair of replace

your car but not compensate you for any personal injuries you have suffered unless you have an 'add on' to your policy.

I have written this fairly quickly and hope it makes sense. I am quite happy for anyone to correct what I have said or add toit.

[Philf1]

That's my understanding as well graham

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[Paramanic]

Do you know the financial limit of the cover you have are you sure you are covered for personal injury caused by your own

negligence?

If you have a comprehensive admiral cover your already automatically covered upto 5k for own negligence (your fault) but I have there personal cover which has good perks too

As below

Up to £50,000 or £100,000 Extra Cover for Personal Injury

Up to £50,000 or £100,000 of cover against accidental death, serious injury or fractures. This includes cash amounts if you stay in hospital as a result of an accident in your car.Covers the policyholder and named drivers*

Covers the policyholder and all named drivers. Named drivers are also covered whether they're driving or just a passenger in the insured car.Protection whilst travelling in other cars

Provides personal injury cover for policyholders whilst in any other privately insured car in the UK.Always covered

You're covered whether the accident is your fault or not.

Uninsured driver protection

Covers you if you're hit by an uninsured driver

.Runs alongside life insurance

Pays out alongside any other life insurance you may have

[GrahamJC]

Thank you for posting this James. So, under your basic Admiral policy you have automatic cover up to 5K is you were injured as a result of your own negligence but you took out an 'add on' which pays out up to 100K (again, if you are injured as a

result of your own negligence. This sounds quite a good policy for non-life changing injuries. Just a quickie - were you

invited to take out the 'add on' for personal injuries when you insured with Admiral and was it expensive? Thanks.

[GrahamJC]

Just found this!

admiral+car+insurance+personal+injury

[Paramanic]

Lol I got add on for free as they were keeping me as a customer so reduced bill then got this added for free because if been with them for years I took it out once for 30 extra and ever since that first one I've had it free ever since as they want to keep me as a customer

[GrahamJC]

Good to hear. The sum you are insured for is, as I said in my previous post, good for non-life changing injuries but not

for catastrophic injuries - which we all hope we never suffer.

[Phil 87]

I think I overlooked something which is that we obviously have the NHS to cover us lol. It's just that you might not get the absolute best treatment though them, and if it's a life changing injury you might have some other big expenses like adapting your home, or moving to a house that meets any new requirements. So that would be why it's good to have injury cover.

[GrahamJC]

You are of course correct about the NHS and as you say, life changing injuries can result in huge expenses including the costof care. Take a look at the link below - the negligent driver's insurer had to cough up £23,000,000. Ask not why car

insurance is expensive. Had the poor girl been killed, the payout would have been small - the old saying is 'it is cheaper to

kill than to maim'!

http://www.telegraph.co.uk/news/uknews/law-and-order/9688388/Girl-17-wins-record-23-million-payout-for-car-crash-injuries.html