Drivers Personal Accident Insurance Plan

Did you know?

Did you know that injury to the Driver of the car in an 'own fault' accident is not covered by motor insurance? Our unique Personal Accident Policy attaching to the driver of the car, covers you the driver and your passengers for personal injury in the insured vehicle, in the event of an accident.

What the Personal Accident Plan Covers

So long as the insured renews their private motor insurance policy through the master policyholder, and pays the agreed premium for this cover, the insured person is eligible for this insurance. It covers the driver of the insured vehicle insured through, as long as he/she is insured to drive the vehicle, and any passengers in the insured vehicle.

If an insured person suffers bodily injury, which, within two years solely and independently of any other cause, results in death, loss of sight, loss of limbs, permanent total disability or hospitalisation, we will pay the benefits as outlined in the table of benefits below to the insured person or their legal representative if they die. In the case of a child being covered we will pay the benefit to the insured as long as they are the parent of the child, otherwise we will pay the child's legal guardian.


The italicised words and phrases listed below have the same meanings wherever they are used in the master policy, schedule and this certificate of insurance.

Accident means a sudden and unexpected event which results in bodily injury to an insured person.

Any one accident means the most we will pay under this certificate of insurance for any one accident or series of accidents contributed to, caused by, or as a result of the same original cause or event.

Authorised broker means a broker who is authorised by the Central Bank of Ireland in accordance with the Investment Intermediaries Act 1995, and who is authorised by us to offer the Personal Accident Plan to their customers.

Bodily injury means injury to the body caused by an accident and not by any gradual cause. It does not include:

We will treat death, loss of sight, loss of limbs, permanent total disability or hospitalisation caused as a direct result of being exposed to severe weather conditions as having been caused by bodily injury.

Child means any person who is under 18 years of age at the age of accidental bodily injury.

Hospital means an institution which has accommodation for residential patients and facilities or diagnosing, carrying out surgery and treatment. It does not include a long-term nursing home, a geriatric or a convalescence home or an extended care facility.

Hospitalisation means an over-night stay as an in-patient in a hospital.

Insured means any person who has elected to join the Drivers Accident Protection Plan, and paid the agreed premium, to whom a private car certificate of insurance has been issued by

Insured person shall mean any driver or passenger in the insured vehicle.

Insured Vehicle means the private car in respect of which a private car certificate of insurance has been issued through

Loss of limb means in the case of a leg, total and permanent loss of, or loss of use of, a complete foot or leg. In the case of an arm, total and permanent loss of, or loss of use of, a complete arm or hand.

Loss of sight means permanent and total loss of sight in both eyes if the insured person is registered blind on the authority of a fully-qualified ophthalmic specialist: or in one eye if the degree of sight remaining after correction by spectacles or contact lenses is 3/60 or less on the Snellen Scale (seeing at 3 feet what the insured person should see at 60 feet).

Master policy means the Drivers Accident Protection Plan insurance Policy held by the master policyholder.

Master policyholder means

Medical practitioner means a medical practitioner currently registered under the Irish Medical Practitioners Act 1978 and with the General

Medical Council to practise medicine. This does not include:

Period of insurance means the date the insurance policy insuring the insured vehicle issued by the master policyholder starts until the earliest of the dates when that cover finishes, it is cancelled or it is no longer arranged through the master policyholder, or the master policy is cancelled.

Permanent total disability means disability other than by loss of limb or loss of sight, which totally and permanently prevents the insured person from doing any paid work whatsoever for the remainder of their life.

Terrorist act means any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered terrorist acts.

War means war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.

We, us, our means Chartis Ireland Limited.

When does the cover operate?

Cover operates whilst an insured person is inside the insured vehicle including entering and exiting, and whilst outside the insured vehicle conducting emergency roadside repairs or seeking emergency roadside assistance.

TABLE OF BENEFITS Insured persons over 18 years of age
1. Death €12,700
2. Loss of sight in both eyes €12,700
3. Loss of sight in one eye €12,700
4. Loss of limbs (two or more) €12,700
5. Loss of limb (one) €12,700
6. Loss of sight in one eye and loss of limb (one) €12,700
7. Permanent total disability (from any occupation) €12,700
8. Hospitalisation for more than 24 hours payable for a maximum of 10 weeks €140 per week


We will not pay benefits for bodily injury arising directly or indirectly from:

War, terrorist act, suicide, attempted suicide or intentionally self-inflicted injuries, attempting to commit an illegal act, sickness or disease, a drug or drugs not taken in accordance with the manufacturers instructions or as prescribed by a medical practitioner, a drug or drugs taken to control drug addiction or consuming alcohol. A driver not having a valid driving licence and certificate of insurance for the insured vehicle or having blood/urine alcohol level above the legal limit stated in the Road Traffic Acts. An insured vehicle not having a valid test certificate, being in an unroadworthy condition, us d for hire or reward, or carrying a greater number than the legal seating capacity. Racing of any kind. Anxiety, stress disorder, post traumatic stress disorder, psychological or psychiatric illness or condition or other mental or nervous disorder. Back injuries unless supported by a diagnosis sing appropriate medical imaging techniques (such as x-rays, CT, or MRI scans).

Start and Finish of cover

Cover commences on the day the insured's private car motor insurance policy insuring the insure vehicle is effective through the master policyholder subject to payment of the agreed premium for the Drivers Accident Protection Plan, and expires when the insured does not renew their private car motor insurance policy through the master policyholder or cancels it or no longer arranges it through the master policyholder.

General Limitations, Terms and Conditions

Benefit limitations. If an inured person is over 65 years of age when he or she receives a bodily injury will not pay benefit under item 7 of the schedule.

If an insured person is a child we will only pay €9,500 under item 1 in the schedule.

If death occurs within 13 weeks of bodily injury the benefit under item 1 will be paid and not the benefits under items 2, 3, 4, 5, 6 or 7 provided death was a result of bodily injury.

When more than one form of disability results from bodily injury from the same accident the maxi um payment will be the sum insured under item 7 of the schedule.

We will not pay a claim under more than one of items 1-7 of the schedule.

Upon the payment of a claim under items 1-7 of the schedule cover will stop for that insured person for whom such payment has been made.

If the insured person is covered under more than one personal accident insurance policy insured by us and issued by the master policyholder we will only pay any benefit once.

Cancelling the cover. We, or the master policyholder can cancel the master policy by giving 30 days written notice to the other party. Cover under this certificate of insurance will continue to the end of the current period of insurance.

The insured can cancel his certificate of insurance by writing to the master policyholder or us. Cover will cease from the date of receipt of the cancellation by either the master policyholder or us. A proportionate refund of premium will be allowed for the unexpired period of cover provided bodily injury has not occurred to any insured person within the current period of insurance.

Claim evidence. The insured person must provide, at their own expense, any evidence we ask for to support their claim. The insured person must undergo any medical examinations we specify, at our expense.

Claim payment interest. We will not pay interest on any claim payment.

Claim payment. If we have paid a claim under this certificate of insurance and the insured person has accepted that payment, we will not have to make any further payments for the same claim.

Benefit will be paid to the insured person or in the event that the insured person is a child the be benefit will be paid to their parent or legal guardian. The death benefit will be paid to the insured person's legal representative whose receipt will discharge us.

Claim reporting. The insured person must tell us about any potential claim as soon as they possibly can.

Governing law. This certificate of insurance will be governed by Irish Law unless the master policyholder, the insured and we agree otherwise prior to the beginning of the period of insurance.

Transferring this insurance policy. The insured person cannot transfer the benefit of this insurance policy to anyone else or use this insurance or the benefits in the master policy as a mortgage or guarantee of any kind.

Disputes and complaints. The master policy terms and conditions will govern any dispute or complaint. We will always aim to provide a first class standard of service. However, if the insured person has a complaint, they should, in the first instance, contact our Accident & Health Manager at the address below. The insured or insured person should quote their surname, initials and the master policy number mentioned at the bottom of this certificate of insurance.

If the insured person is still not satisfied they have the right to ask the Financial Services Ombudsman's Bureau to review their case. The Financial Services Ombudsman's Bureau provides independent settlement of disputes between personal policyholders and their insurance Company. Or, they can approach the Irish Insurance Federation, where appropriate to review their case. The existence of the Financial Services Ombudsman's Bureau complaints procedure does not affect their right to take legal action against us.

The Accident & Health Manager
Chartis Ireland Limited
Chartis House
Merrion Road
Dublin 4
Tel: (01) 208 l400

Financial Services Ombudsman's Bureau
3rd Floor Lincoln House
Lincoln Place
Dublin 2
Tel: (01) 662 0899

The Irish insurance Federation
39 Molesworth Street
Dublin 2
Tel: (01) 676 1820