If you’d asked me a year ago about personal accident insurance, I would’ve shrugged. “I’m healthy. I don’t do extreme sports. What could possibly happen?” I genuinely believed I didn’t need it. That kind of thing was for other people—people with risky jobs or wild weekend hobbies.

I was wrong.

It all started on an ordinary Tuesday. I was biking home from work like I always do—same route, same pace, same podcast in my ears. Out of nowhere, a car door swung open right into my path. I didn’t have time to swerve or brake. I hit the door, flew off my bike, and landed hard.

The next few weeks were a blur of hospital visits, x-rays, and physiotherapy. I had fractured my wrist, bruised my ribs, and was covered in scrapes. I was lucky—it could’ve been so much worse. But even so, I couldn’t type, couldn’t cook, couldn’t do most things without help. Worse yet, I had to take time off work without pay.

That’s when reality hit.

While I had health insurance that covered the hospital bills, there was so much it didn’t cover. Taxis to appointments, extra childcare when I couldn’t lift my toddler, food delivery when I couldn’t cook, therapy sessions to deal with the emotional toll, and all the lost income from my freelance projects I couldn’t take on. It added up fast.

If I’d had personal accident insurance, things would’ve looked very different. It could’ve given me a lump sum payout or daily income support, just to help cover those unexpected costs and give me some breathing room. Instead, I was stressed, tired, and digging into my savings.

That experience completely changed my perspective.

Personal accident insurance isn’t about expecting the worst—it’s about being prepared, just in case. Accidents don’t ask if you’re “the kind of person” it happens to. They just happen. And when they do, having that safety net makes all the difference.

So if you’re like I was, thinking you don’t need it, maybe think again. I learned the hard way. Hopefully, you don’t have to.

Don’t wait until something happens to realise how much you need it.

If you’re thinking, “Maybe it’s time I looked into this”,—you’re absolutely right.

Contact Arma Insurance Broker today and get a quote for personal accident insurance. It’s affordable, it’s customizable, and it could save you a whole lot of trouble down the line.

Because peace of mind is worth more than you think.