Aviva Signature Personal Accident Plans frequently asked questions

Personal Accident Insurance pays out a lump sum benefit in the event you are involved in an accident that causes serious injury, disability or death. Aviva offers products such as Accidental Death Insurance, Accidental Permanent Injury Insurance and Hospital Cash Plan Insurance. Personal Accident is not a life, healthcare or income protection policy. It does not provide cover in the event of injury or death caused by illness or disease.

An accident means a single, unexpected, unforeseen and unintentional incident that is not a symptom of disease or illness.

Personal Accident insurance can help protect you and your family if you’re unable to work and your income is affected. Depending on cover chosen, an accident could pay a benefit as a result of death or injury. You’ll be covered for accidents that happen at work, during exercise, on your commute or travelling on holiday anywhere in the world.

One aspect of being involved in an accident that many don’t consider is the stress caused by financial commitments. The payment is tax free under current legislation and is paid in one lump sum.

Exclusions include:

• Illness or disease unless it’s as a direct result of an accident
• Suicide and self-inflicted injuries
• Reckless or dangerous behaviour, including being under the influence of drink or drugs.
• Injuries caused by being a professional sportsperson

Click on the link to explore our products and to find out more about exclusions.

Unlike life insurance, Personal Accident insurance doesn't need a medical, so pre-existing conditions, lifestyle choices or occupation will not impact eligibility or the premium you pay.

Call us on 0800 051 5175 to start the claims process.  Lines are open Monday to Friday 9 am to 5pm (excluding bank and public holidays). One of our team will review the claim and be in contact if they need any more information.

For our joint protection, telephone calls may be recorded and monitored. Calls to 0800 numbers from UK landlines and mobiles are free.

If you want to add or remove a partner from your policy please call 0800 158 3993, alternatively you can email us at: paadmin@aviva.com. It's the same number and email address if the product you have allows you to cover your child or children.

For our joint protection, telephone calls may be recorded and monitored. Calls to 0800 numbers from UK landlines and mobiles are free.