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All About Passenger Cover in Two-Wheeler Insurance

Updated On Nov 02, 2021

Read this article to know things about passenger cover in two-wheeler insurance.

A third party cover is compulsory to be owned by bike owners, while own-damage and comprehensive covers are optional. The latter covers the bike as well as policyholders but not the pillion riders. Since you don’t always ride alone and in case of any mishap, the passenger with you can also suffer injuries which can be even fatal. This increases your liability to cope up which, you can add passenger cover to your comprehensive car insurance policy.

All About Passenger Cover in Two-Wheeler Insurance

What Is Passenger Cover in Two-Wheeler Insurance?

The passenger cover is an add-on cover that covers the pillion rider in case of accidental death, partial or permanent disability. It gives coverage for damage or loss incurred by the pillion rider and takes the financial burden off you. This is an affordable cover which you can get by paying an additional premium.

Who Should Get Covered Under Passenger Cover?

When someone rides a bike with a pillion rider, it becomes his or her moral responsibility to be ready with some ways to safeguard the other passenger from disability or death. This can be done by purchasing a passenger cover to ensure that the pillion rider is covered for the injury or death caused due to an accident. However, for some people, this add-on cover is quite essential such as:

  • People living in the accident-prone areas
  • People carrying pillion riders frequently
  • People who go on road trips with friends and family
  • People with kids to pick and drop generally from school, etc.

Why Is The Passenger Cover Required?

The passenger cover is required by everyone as sometimes or the other we all ride our bikes with a pillion rider. Accidents can happen anytime that can damage or loss to you as well as passengers. This cover can protect passengers under which you get the financial aid for medical expenses you may have to bear after an accident. Below are some of the benefits which come along with it:

  • Financial aid is provided for the cost of treatment for pillion riders after an accident
  • This policy cover is designed to provide coverage in case the passenger dies in a mishap
  • The compensation is offered to the policyholder in case of partial or permanent disability
  • This brings peace of mind as you need not worry about the accidental injuries of a pillion rider.


Maintaining a two-wheeler is much more difficult than buying it. When you drive a bike or scooter, you get a responsibility to provide protection for yourself as well as the pillion rider who is driving along with you. With passenger protection add-on cover, you can ensure the protection of passengers too. In this article, we have mentioned different aspects of this cover which will give you clarity before opting for it. We hope this will help you ride a bike more responsibly.

Also Read: 

Why HDFC ERGO Is The Best Choice for Buying Two-Wheeler Insurance?

How IFFCO Tokio Insurance Helps You Protect Your Two-Wheeler?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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