Insurance when ringing How many members of the MC&LDG think that the Personal Accident policy pays out to them personally if they have an accident? One of the things Marcus was saying recently was that these PA policies are in the name of the association as beneficiary, and so it is the association, which won't actually have suffered a loss, which get any payment. Policies may vary though, and some may be written such that an individual subscribed member is the beneficiary, but many are not.