0800 520 0699
(or 0118 321 8197)
Monday to Thursday9am - 6:30pm
Friday9am - 5:30pm
Saturday9am - 5pm
Sunday & Bank HolsClosed
Search for Car Hire Insurance

Looking for something specific?

Use our search tool to browse our database of frequently asked questions!

FAQ Section > Car Hire Insurance Frequently Asked Questions > Car Hire Insurance - Personal Accident

What is Personal Accident Insurance (PAI) and do I need it?

If you are unsure exactly what Personal Accident Insurance is, and whether or not you need it, read our explanation of PAI below:

Personal Accident Insurance pays out if you are severely injured or in the worst case scenario, die in an accident in the hired car.

Policyholders receive a tax-free lump sum if they are involved in an accident resulting in the loss of one or more limbs, one or both eyes, the loss of use of any of the above, or some other form of permanent disability.

If you are travelling abroad you may have similar cover on your travel insurance policies, and may also be covered on a credit card if you use it to pay for the hire.

If you travel regularly and want this cover, buy it from an insurer directly. Personal Accident Insurance is very cheap due to the policy limitations, so it's not at all cost effective to buy multiple short term policies. US car hire firms, however, are very keen on selling it so some car hire excess insurers include it as a benefit in their policies to save their customers facing an inquisition at the desk. The cover through car hire excess policies does tend to be fairly limited and may only cover the driver.

You can find policies that include PAI by ticking the Policy Inclusion box for Personal Accident Cover (from the filters at the top) on your results page when you run an online comparison with MoneyMaxim.

Compare car hire insurance prices with MoneyMaxim

If you have any queries do call a member of the MoneyMaxim car hire insurance team.

This content was last reviewed on 04/06/2019

Image courtesy of: Kurt Magoon

Similar Questions

General Car Hire Insurance Questions Answered

Excess Insurance Questions Answered

Questions on CDW & SLI Policies for the USA and Canada Answered

Combined Worldwide CDW, SLI & Excess Policy Questions Answered

Car Hire Companies - Your Insurance Questions Answered

Your Driver related Questions Answered

Car Rental Keys Questions Answered

Excess Insurance Questions Specific to Countries