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Personal accident insurance

Personal accident insurance

Accidents happen... So, we've got you and your family covered if an accident affects your health permanently

In a nutshell

The king’s personal accident cover pays out a lump sum if you, or members of your family, are permanently disabled after an accident and in the unfortunate event of your, or their, accidental death. What’s more, how you spend this amount is completely up to you.

Here's how it works

You choose a 'sum insured', which is the maximum amount we'll pay for any claim. For different types of claims, we pay out different percentages of this insured amount. Your KPPD contains a table that shows you exactly how much we'll pay.

Naturally, the sum insured that you choose, along with your risk profile, determines your premium for this cover.

What's covered by the king

You, your spouse and family members, are covered for death and permanent total disability that’s the result of an accident that happens anywhere in the world, provided that these family members:

  • Are financially dependent on you.
  • Normally live with you.
  • Are between 14 and 70 years old.

By 'accident' we mean an unexpected and unintentional event caused by violent, external and visible means, which results in injury leading to disability or death within 12 months of the event.

By 'permanent total disability' we mean a disability arising from an accident that entirely prevents you from being able to work, that’s likely to last for the rest of your life, and that's supported by medical evidence.

The king's benefits




Emergency assist

The king has you covered. 24 hours a day, 7 days a week, 365 days a year. When you're part of our royal family, we've got your back! Whether your issue is medical, technical or domestic, you're in the king's safe hands.

Decreasing premiums

Why keep paying the same to insure your car when it's only ever worth less? It doesn't make sense to us, so we employed some seriously clever people to find a way of decreasing car insurance premiums every month. It's only fair!

Quick and easy claims

If you have an accident and you're covered by the king, call our emergency assist line ASAP if you're able to. We'll organise emergency medical help, arrange to have your car towed, and tell you what you need to do.

The king's cab

The cold 1s were flowing, but now it's time to get going? We'll get you (and your car) home safely. The king's cabbies are on call when you have comprehensive car cover with the king. It's a small extra cost... For big peace-of-mind.