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Passenger Cover in Car Insurance

Passenger cover gives financial coverage for passengers who are travelling in the insured’s car. However, covering passengers is not mandatory, but it is highly recommended to opt for this cover as apart from driver or owner’s life, passenger’s life is equally important. This cover gives coverage of up to Rs. 2 lakh for medical treatment costs, disability liability (permanent and temporary disability) cover or financial support in case of the death of any passengers.

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Passenger cover in car insurance is financial coverage for passengers who are travelling in the insured’s car. While it is necessary to have the personal accident cover for the owner-driver of the car, covering passengers is not mandatory. However, the absence of compulsion should not restrict individuals from buying a passenger cover with their car insurance policy as each life is important.

What Is Covered Under A Passenger Cover?

A passenger cover add-on provides coverage of up to Rs. 2 lakh for the following:

1. Medical treatment costs incurred for passengers in case of an unforeseen accident.

2. Disability liability (permanent and temporary disability) cover to the car’s passengers.

3. Financial support in case of the death of any passengers.

What is not covered in the Passenger Cover?

Following are the exclusions of a passenger cover add-on:

1. An accident that has happened while a person is under the influence of alcohol/drugs.

2. Any physical injury caused at the time of attempted suicide is not covered under this add-on.

With Which Car Insurance Plan Can I Purchase A Passenger Cover?

There are two types of car insurance plans with which you can opt for a passenger cover namely standalone own-damage car insurance plans as well as comprehensive car insurance plans.

Benefits of Purchasing Passenger Cover

Being a responsible car owner, you have a certain duty towards the passengers if an accident happens to result in injury or disability of the passenger. Having a passenger add-on cover along with the comprehensive car insurance plan, will provide the policyholder and the passengers with wide coverage. Highlighted below are some of the benefits of purchasing passenger cover:

  • Offers financial help if the passenger dies due to an accident.
  • In case of an accident, coverage for the treatment costs of passengers is offered with this add-on.
  • Passengers of the covered car are offered a disability liability cover.
  • Financial liabilities get reduced in difficult situations as you can claim for the passenger and driver of the car.
  • Helps in reducing the stress if any accidental injuries happen to the passenger and the insured car’s driver.
  • Helps in avoiding any legal hassle in case the insured car is a commercial passenger vehicle.

Cost of Passenger Add-On Cover

The cost of passenger add-on cover differs from insurance company to insurance company and it also depends on the sum insured. In case, you wish to know about the cost and any more information regarding passenger add-on cover, you can check the same with the car insurance company.

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Passenger Cover in Car Insurance FAQ

  • How many passengers in the car does the passenger add-on cover?

    In the case of the private car, the add-on does not cover more than 3 passengers in the car. However, the number of passengers covered depends on the type of vehicle. An insurance company provides coverage as per the seating capacity of the car.

  • Can I buy the passenger cover with third party insurance?

    No, an individual cannot buy the passenger cover with third party car insurance. It can be bought along with the comprehensive or a standalone own-damage car insurance policy.

  • Does comprehensive car insurance policy cover passenger injuries in an accident?

    No, passenger injuries are not covered under the standard comprehensive car insurance in case of an accident. Thus, it is advised to opt for a passenger cover.

  • Should a commercial driver buy a Passenger Cover in car insurance?

    Although it is not necessary, a commercial driver should buy it to ensure the safety of its passengers.

  • What is the amount of coverage available under a passenger cover?

    Coverage of up to Rs. 2 lakh is provided under a passenger cover.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.