What are personal payment claims

Hi I recently had a claim on my insurance for a crash and I was at fault as I was travelling over the speed limit, I had two friends in the car.
Recently I have been getting calls from companies saying that we could claim for personal payments for minor discomfort or something like that, I am just wondering what the hell they are and if they are at all credible, it just sounds very dodgy to me, the crash happened in December and basically the companies are saying that since I lost my excess as I was at fault this extra claim will not affect my insurance as you can only be penalized for it once and so an extra claim will not make a difference.
Apparently we could possibly get a few thousands but it all seems a very fishy to me and so I am just wondering if anyone else has done it, either through one of these companies or by themselves and if it affected the insurance at all in the next few years.
Thanks in advance.