Join Date: Feb 2007
Location: Spain + Germany
My Motorhome: Four Winds RV
Thanked 502 Times in 467 Posts
If the policy specifies personal accident that's there to cover the driver. Any other occupant would be covered under the third party liability. They are third parties. The driver is the first party. Hope that helps.
To understand it better think of two types of insurance. In an at fault accident the driver has no claim against themselves. A personal accident policy or add on will cover that, usually in a fairly limited way.
Brexiters. It's your sh1t now. Whatever happens nationally and internationally you own it. I wish you luck. I think you're going to need all you can get and then some. Friday 13th December 2019.
Last edited by erneboy; 18-12-2019 at 21:39.