Motor Accident Injury Protection

Support for customers and their families when a road accident changes everything

Motor Accident Injury Protection cover provides financial compensation for death or serious injury following a road accident, for the driver and any passengers in the vehicle. It works alongside any main motor policy, from a simple mandatory add-on through to a more comprehensive benefit package.

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Cover That Supports Beyond the Vehicle

Most motor insurance is built around the vehicle. This cover is built around the people in it. It provides compensation for death and significant injury sustained as a result of a road accident, giving customers and their families some financial support at a time when it's needed most.

  • Works Alongside Any Motor Policy

    Motor Accident Injury Protection is a standalone add-on that sits alongside the customer's main motor insurance, regardless of who they're insured with.

  • Covers Driver and Passengers

    Cover applies to everyone in the vehicle at the time of the accident, not just the policyholder, so the people travelling with them are supported too.

  • Flexible Levels of Cover

    Options range from a basic level suited to a mandatory add-on, through to a more comprehensive package of benefits.

  • A Considered Range of Benefits

    The core offering brings together a broad range of benefits, giving partners the flexibility to shape cover around their customers’ needs.

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what the policy covers

Core benefits built around real support

  1. Accidental death

    A lump sum payment made if the accident results in death.

  2. Sight loss

    Compensation for permanent loss of sight caused by an accident.

  3. Dental expenses

    Cover towards eligible dental treatment required following an accident.

  4. Loss of limb

    Compensation for the permanent loss of a limb caused by an accident.

  5. Loss of hearing

    Compensation for permanent hearing loss caused by an accident.

  6. Help at home

    Financial support towards eligible help at home following an accident.

  7. Disability cover

    Compensation for permanent disability resulting from an accident.

  8. Loss of speech

    Compensation for permanent loss of speech caused by an accident.

  9. Hospitalisation

    Financial support towards eligible costs following hospitalisation after an accident.

  10. Personal effects

    Cover towards eligible personal belongings lost or damaged in an accident.

  11. Physiotherapy

    Cover towards eligible physiotherapy required as a result of an accident.

  12. Stress counselling

    Support towards eligible counselling following a traumatic accident.

  13. Fractured bones

    Compensation for eligible bone fractures sustained in an accident.

  14. Dislocation

    Compensation for eligible joint dislocations sustained in an accident.

  15. Facial scarring

    Compensation for eligible permanent facial scarring caused by an accident.

Two people exchanging details beside their cars after an accident, one using a phone

Who's Covered

This cover applies to everyone travelling in the vehicle when an accident happens, not just the person named on the policy, so a single policy protects the whole vehicle rather than one individual within it.

The driver

Cover applies to the driver of the insured vehicle at the time of the accident.

All passengers

Everyone travelling in the vehicle at the time is covered, whatever their relationship to the policyholder.

Personal or business use

Cover can apply to both personal and business journeys, depending on how the policy is set up, making it well suited to family cars, taxis, and commercial vehicles alike.

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Why choose Coplus

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Trusted Motor Ancillary Partner

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  • Industry experience since 1988

    Motor Accident Injury Protection is a product families rely on at a genuinely difficult time. Our long-standing experience in motor ancillary products means partners get a proposition that's handled with the care it deserves.

  • Flexible cover to suit your proposition

    From essential accidental death cover to more comprehensive protection for injuries and additional benefits, motor accident injury protection insurance can be tailored to suit your customers and proposition.

  • In-house claims management expertise

    We manage Motor Accident Injury Protection claims with the same in-house teams behind our wider claims services, so customers and their families are supported by people who understand how sensitive this process can be.

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Our range of motor ancillary products

Related Motor Protection Products

Frequently asked questions

Motor Accident Injury Protection FAQs

What does Motor Accident Injury Protection cover?

It provides compensation for death or serious injury sustained as a result of a road accident, covering the driver and any passengers in the vehicle at the time.

Does Motor Accident Injury Protection replace the need for a main motor insurance policy?

No. It’s an add-on that pays a benefit after a serious accident. Drivers still need their main motor insurance by law.

Who is covered under a Motor Accident Injury Protection policy?

The driver and any passengers travelling in the insured vehicle at the time of the accident.

Can the level of cover be tailored?

Yes. Partners can choose from different benefit levels to suit their customers.

Is Motor Accident Injury Protection the same as a personal injury claim through the main motor policy?

No. A personal injury claim depends on proving someone else was at fault. This policy pays a set benefit whoever was to blame.

Does cover apply abroad?

Yes, for trips in Europe of up to 21 days.

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Trusted By Brokers and Insurers Across The UK

We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.

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