AIG Direct
Our online quote service is currently under maintenance. Please call 0800 368 1844 for a quick & easy quote. We apologise for any inconvenience caused.
Learn more

We're sorry – AIG Direct is no longer offering new purchases of Personal Accident Cover.

All existing policies remain valid and are fully supported by our customer service & claim teams.

Should you have an enquiry regarding your existing policy please review the Frequently Asked Questions or Contact Us sections of this site.

AIG Insurance Cover

Personal Accident Cover

Personal Accident Cover

The AIG Personal Accident Plan is designed to help with the financial worries of coping with life after an accident.

If you have an accident that results in a hospital stay of 24 hours or more, a permanent injury, or even death as the result of an accident, with AIG Personal Accident Cover you receive a cash payout, depending on the injury and level of cover selected.

What's Covered

What's Covered

You are covered for accidents at work, at home, on the road & abroad.

Benefits table

Injury Silver Gold Platinum
Quadriplegia £125,000 £250,000 £500,000
Loss of two or more limbs £50,000 £100,000 £200,000
Loss of sight in one eye £25,000 £50,000 £100,000
Loss of entire finger or one big toe £3,750 £7,500 £15,000
Hospitalisation benefit (per day) £25 £50 £100

For a full list of covered injuries, please refer to the Policy Documents or Frequently Asked Questions.

The hospitalisation benefit is payable for a maximum of 182 days from the date of the accident.

There is no cover for self-inflicted injuries, injuries resulting from participation in professional or semi-professional sports, or which result from sickness or disease.

Please review the policy document for full terms and conditions.

How protection helps

Accidents can happen at any time and can have a real financial impact on your life as well as your families, which is why it’s good to have a protection plan in place. Personal Accident Cover is a relatively low cost way to protect yourself and your family from the financial consequences of an accident, by providing a range of tax-free cash payments if an accident results in a hospital stay of over 24 hours, permanent injury, or even death.


No family medical history requirede


Financial support when you need it


Hospital benefit for stays over 24 hours


Covers fractures, burns, disability & more

Some common questions

Some of the most common questions we get asked are answered below, but if you can’t find what you are looking for don’t hesitate to call our friendly UK based customer services team.

Am I eligible?

Yes as long as you’re aged 18-69 years and permanently resident in the UK.

What does the Plan cover me for?

The Plan pays out a cash sum if you have an accident leading to the following:

  • Death
  • Permanent disability
  • Full thickness burns
  • Specified fractures
  • Specified dislocations
  • Physiotherapy
  • Hospitalisation

Children have reduced cover and are not covered for some benefits. Please see Policy Wording for full benefits details.

What are the maximum cash benefits?

For the most serious injuries, the maximum amount payable per insured person is;

Adult Child
Silver £125,000 £12,500
Gold £250,000 £25,000
Platinum £500,000 £50,000

Cash sum payouts are free from income tax under current legislation.

How do I make a claim?

After an accident you must fill in a claim form. This is available on our website in the contact us section; by phone on 020 8662 8101 or by requesting one in writing to: AIG Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH.

Can I cancel my policy? How do I cancel my policy?

You can cancel your policy at any time. If you cancel within 15 days of receiving your policy (or within 15 days of the start date shown on your schedule if this is later) you will be entitled to a full refund of that premium as long as you have not made a claim.

If you cancel this policy after the 15 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days, as long as no claim has been made.

You can cancel your policy by phone on: 020 8662 8195 or in writing to: AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG.

Am I covered for injuries away from work too?

Yes if you suffer a qualifying injury you are covered no matter where it takes place, as long as you are not outside the UK for more than 180 consecutive days.

Need more information? Read our FAQ's >

Important Information

  • This product is available to UK residents aged 18 to 69 years old.
  • There are some injuries that we can't cover, such as those resulting from sickness & disease or self inflicted ones.
  • This product does not cover professional or semi-professional sports.

Please read the policy document for a full list of limitations & exclusions.

A Personal Accident plan is not an income protection product & pays a one-off cash sum which you can spend as you wish.

What makes AIG different

At AIG we’re very proud of our 41 year history of helping UK families.
We’ve learnt a lot over those years, but the most important thing has been that everything we do needs to be centred around you, our customers.

Putting our customers at the heart of everything we do has allowed us to develop different levels of cover to suit your needs, with easy to understand policies providing cover that’s actually there for you when you need it the most.

  • 41Trusted services since 1973
  • Breast Cancer Care
  • Feefo - Independent customer feedback

    Independent customer feedback

  • All Blacks - Official Insurance Partner
  • Direct Debit

Phone information

Lines are open Mon-Fri 8am-6.30pm excluding bank holidays.