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What is Personal Accident Cover for Two Wheeler?

Personal accident cover in bike insurance is essentially an add-on cover that you can choose at the time of purchase of a two-wheeler insurance plan by paying a nominal additional premium.

 

Personal accident cover in bike insurance secures you against the cost of treatment of injuries that you sustain as a result of an accident involving your two-wheeler. In addition to that, it also covers other scenarios such as permanent partial or total disability.


The maximum amount of coverage offered by the personal accident cover is capped at ₹15 lakhs.

Importance of the Personal Accident Cover in Bike/Two-wheeler Insurance

Getting personal accident insurance for two-wheelers is crucial since two-wheelers are generally less safe than four-wheelers. And during an accident or a mishap, your two-wheeler and third parties wouldn’t be the only ones to get injured.

 

Such incidents can leave you with several injuries or even a disability, which may need to be treated at a hospital, the cost of which are to be borne by you out of your own pocket. And considering the cost of medical treatment in India and the nature and extent of injuries that you suffer, you may have to shell out a significant amount of money for this purpose.

 

Here’s where the personal accident (PA) cover in bike insurance comes in. Personal accident cover in bike insurance covers the costs associated with treating your injuries or disability, minimising or eliminating any and all financial impact.

Is the PA Cover for Two-Wheeler Insurance Plans Mandatory?

Wondering whether the personal accident cover in bike insurance is mandatory? Here’s something that can help give you some clarity.

 

The Government of India, taking cognisance of the number of accidents involving two-wheelers, made it mandatory to have a personal accident insurance for two-wheelers. This means that whenever you purchase a third-party bike insurance or a comprehensive bike insurance plan, a PA cover for owner-driver of two-wheelers will be automatically applied.

 

However, from January, 2019, the Government of India introduced a couple of changes to the mandatory policy of purchasing a PA cover along with two-wheeler insurance. Here’s a look at what they are:

 

1. If the owner of the two-wheeler already has a standalone personal accident insurance of ₹15 Lakhs or more, they can opt out of purchasing the personal accident cover in bike insurance along with their two-wheeler insurance.

 

2. If the owner of the two-wheeler already has a PA cover under an existing four or two-wheeler insurance policy, they can opt out of purchasing the PA cover under a two-wheeler insurance for a new vehicle.

Inclusions & Exclusions

Now that you’re aware of what personal accident cover in bike insurance is, you can learn more about what it covers and what it doesn’t. This way, you would be able to make a more informed decision.

 

Inclusions in a PA Cover in Bike Insurance

 

  • Death due to an accident

 

  • Permanent partial disability as a result of an accident

 

  • Permanent disabilities as a result of an accident

 

  • Permanent total disabilities due to an accident

 

  • In the case of death, loss of both eyes, loss of both limbs, loss of one eye and one limb, and permanent total disabilities, the entire sum assured of ₹15 Lakhs would be paid out.

 

  • In the case of permanent partial disability, only 50% of the sum assured would be paid out.

Exclusions in a PA Cover in Bike Insurance

  • Injuries or death due to an accident arising out of riding under the influence of alcohol or drugs

 

  • Injuries or death due to an accident arising out of the insured geographical area

 

  • Injuries or death due to an accident deliberately caused by the policyholder

 

  • Injuries or death due to an accident arising out of violation of laws

Wrapping it up

The PA cover in bike insurance is a great way to ensure financial protection from liabilities arising out of bodily injuries caused due to an accident. However, you only get the benefits of the PA cover if you renew your two-wheeler insurance plan on time. So, make sure to do it in a timely fashion.


If you wish to take a look at the different kinds of two-wheeler insurance plans available for your vehicle, you can head to the Bajaj Markets website. You can even compare the quotes and pick the one that you’re comfortable with. 

FAQs

Yes, purchasing a PA cover along with a two-wheeler insurance plan is compulsory as per the Motor Vehicles Act, 1988.

 The maximum coverage offered by a PA cover is ₹15 Lakhs.  

 

Yes, the PA cover is only applicable to owner-drivers and not to any other individuals driving the two-wheeler at the time of accident.

 The payout will be limited to just 50% of the total sum assured, which would be ₹7.5 Lakhs.  

 

 No. In such a case, you don’t have to avail a PA cover for the new bike that you purchase.

 

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