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Personal Accident Cover in Two Wheeler Insurance Explained

Published On Aug 21, 2020 5:30 AM By Sakshi

Why is the personal accident cover important and compulsory? Read this article to find out.

Life is unpredictable. And so are road accidents. Now that accidents come unannounced, it is best to keep yourself prepared to minimise the loss(es) in case of such unforeseen events. And here comes into scene one of the most important features of bike insurance, that is, a personal accident cover. As the name suggests, personal accident cover in bike insurance offers you the much needed financial protection for the losses if you meet an accident.

What Is a Personal Accident Cover in Bike Insurance?

A personal accident cover offers you or the dependents compensation in case of any injury or death caused due to a misfortune event of an accident. It is a mandatory cover that you must own to be able to ride legally on the Indian roads. You can choose to buy a personal accident cover with a third party bike insurance policy or a comprehensive bike insurance policy of your choice. Whichever way you opt for the cover, it will offer you complete protection. 

Under this bike insurance personal accident cover, you can find the coverage for the below given situations –

  • Accidental death
  • Permanent total disablement suffered due to an accident
  • Permanent partial disablement suffered due to an accident

The sum insured amount for the personal accident cover is Rs. 1 lakhs. In the first two instances, i.e. accidental death and permanent total disablement, 100% of the sum insured is paid to the owner or paid driver who suffers the defined contingencies. However, in case of permanent partial disablement, a percentage of the sum insured is paid depending on the severity of the disability suffered.

Note that you can also purchase additional coverage for the pillion rider also if you wish to protect them too in the event of an accident.

Personal Accident Cover for the Pillion Rider

The compulsory personal accident cover provides coverage only to the owner or driver of the bike and is not liable to cover any other rider. So, if the pillion rider suffers any accidental contingencies, no claim would be paid for him/her. On this note, it is a prudent choice to insure your rider against accidental injuries, if you usually ride your bike with a pillion rider. Comprehensive bike insurance plans offer a personal accident cover for pillion riders through an add-on cover. If you need that to be included in your policy, you will have to opt for it by paying an additional premium. 

Benefits of Personal Accident Cover in Bike Insurance

Personal accident cover in bike insurance can prove to be beneficial in many ways. Some of the many benefits that it offers include:

Benefits Due to Accidental Death

The unexpected death of the breadwinner of the family may put the family in huge distress. But if you have a personal accident cover in bike insurance, then your family will be provided with 100% of the sum insured. This can offer some financial stability to the family members during difficult times.

Compensation for Partial or Complete Disability

Not only death, but partial or complete disability can also have an adverse effect on the family members. With a personal accident cover in bike insurance, you can get 100% of the total sum insured as compensation. In case of temporary disability, the insured receives compensation with a predetermined amount considering the severity of the injury.

Cash Allowance for Hospitalisation Expenses

In case the insured has suffered from severe injury/ies as a result of the accident and requires hospitalisation, then he/she will be provided a cash allowance to meet the expenses. Usually, cash allowance can be availed for up to 50 days from the date of admission to the hospital.

What Is Not Covered under Personal Accident Cover in Bike Insurance?

There are some conditions that the insurer does not cover under personal accident cover in bike insurance. These are listed below:

1. If the death/injury occurs due to a suicide attempt or intentional self-harm

2. If the death/injury occurs due to liquor or drugs intake

3. If the death/injury occurs due to an unlawful act performed by you

How to Buy a Personal Accident Cover in Bike Insurance?

You can purchase a personal accident cover to include in your bike insurance policy while buying a two-wheeler insurance policy online. The personal accident cover needs to be renewed every year for continuous coverage. If you have not purchased the personal accident add-on cover at the time of buying the policy, then you can also buy it at the time of the two-wheeler insurance policy renewal process. To purchase the personal accident cover online you can visit InsuranceDekho and fill in your bike details. Thereafter you would be provided with the premium quotes of leading insurance providers from which you can choose the personal accident cover and/or any other add-on cover after comparing different policy quotes to get the best coverage at the lowest premium. After selecting the cover, you can make the payment and your policy premium would be updated. 

How to Claim for a Personal Accident?

In case of accidental death or disablement involving your two-wheeler vehicle, you should inform your bike insurance company immediately. A police FIR should also be filed soon after the accident. After it, your insurance company will send a surveyor to assess the damages and prepare a report. You would have to fill and submit a claim form along with the relevant documents to get the claim under your bike insurance policy.


This was a general overview of personal accident cover in bike insurance that shows that having a personal accident cover in bike insurance can prove to be an investment worth your attention. The cover saves you from digging a hole in your pocket by taking care of your financial liabilities at the time of emergency. Not only because of several benefits that it offers, but you must also own the cover because it is a mandate to have one, just like the third party bike insurance cover. So, get yours today and keep yourself protected.

When purchasing insurance for your bike, it is now easiest to do it online. Online you also have the option of comparing the different bike insurance companies, the quotes they offer and their network of cashless garages all in a few minutes. Moreover, if you have an existing policy you can also renew it online. Keep in mind that there are three types of bike insurance based on the coverage they provide in India. First is the third party insurance which like the personal accident cover is compulsory. It covers the costs related to third-party liabilities in case of a mishap. However, for coverage for own damage costs, you will require either a standalone own-damage cover or a comprehensive policy. With the last two options, you can also purchase add-on covers to further strengthen your insurance policy. Some useful add-on covers include zero depreciation cover, the roadside assistance cover, the consumables cover and the return to invoice cover.

To read more about bike insurance in similar articles click here.

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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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