Under what circumstances do insurers typically not provide accident cover?

Insurers typically do not provide accident cover for injuries that result from intentional self-harm because such actions are considered deliberate and outside the scope of what accident insurance is designed to cover. Accident insurance aims to protect individuals from unforeseen and accidental events leading to injuries. When a person voluntarily engages in self-harm, it is an intentional act rather than an accident, and thus falls outside the parameters that insurance policies are meant to address.

In contrast, injuries that occur at home, during sports, or related to public transport can often be covered by insurance policies depending on the specific terms and conditions of the policy. Accidental injuries in these scenarios are still categorized as unexpected events, and insurers typically provide coverage unless there are specific exclusions stated in the policy. Therefore, the focus on intentionality in self-harm clearly defines the boundaries of coverage when it comes to accident insurance.