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What are the Inclusions and Exclusions of Passenger Insurance Coverage?



  • This add-on will cover the cost incurred for medical treatment of the passenger(s) in your insured vehicle after accidents.

  • It will provide a disability liability cover to the passenger(s) of your insured vehicle.

  • A car insurance passenger coverage will offer financial assistance in the event of the death of a passenger due to an accident in your insured car.




  • Some insurance companies will not provide financial help if the passenger(s) exited the vehicle during the collision.

  • In the case of a private car, the add-on does not cover more than three passengers, and they must shoulder the expense of treatment in the event of an accident, with no financial aid from the insurance provider.

  • An accident occurred while the person was inebriated with alcohol or other intoxicating substances.

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FAQs About Car Insurance Passenger Coverage

 The normal comprehensive car insurance coverage does not cover the costs of treating passengers injured in the insured vehicle. However, if you purchase passenger coverage as an add-on to your normal insurance policy, the insurance company will pay for the treatment of bodily injuries suffered by the car's passengers.

 No, the passenger add-on cover cannot be purchased in conjunction with third-party car insurance. It is available as an add-on cover to the comprehensive auto insurance policy. You will have to pay a higher premium, but this will help you get insurance coverage for the passengers in the insured vehicle in the event of an accident.

 If the vehicle is a tiny one, such as a car that can only carry three people, the insurance will be limited to three people. However, this varies as per vehicle type, and a larger vehicle can insure passengers up to the car's seating capacity. Insurers do not provide financial support to passengers who exceed the vehicle's maximum seating capacity. They will be responsible for the costs, and the insurance company will not be held liable.

 No, it doesn't work that way. You can purchase a separate add-on to cover your paid driver, ensuring that both you and the driver are covered in the event of an accident. The term "passenger add-on" refers to people who are not the car's driver.

 The cost of a passenger add-on policy is determined on the basis of the amount insured and the insurance company. For more information on the pricing of the add-on, contact the relevant insurance carrier.

 No, in the event of an accident, conventional comprehensive car insurance does not cover passenger injuries. The insurance provider will, however, give financial aid for the treatment of bodily injuries caused to passengers of the insured vehicle if the passenger cover add-on is purchased.

 Passenger insurance coverage is available as an add-on and can be purchased with a comprehensive policy. The add-on is not available as a stand-alone cover.  

 A standard car insurance policy does not provide coverage for the passengers in the insured vehicle. You can purchase a passenger insurance coverage add-on cover along with your comprehensive car insurance plan to cover the passengers in your vehicle.

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