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Passenger Cover in Car Insurance
Passenger cover or vehicle passenger cover provides financial protection to the passengers travelling in an insured vehicle. While most comprehensive car insurance plans provide personal accident (PA) coverage to the insured car's owner-driver, the passenger cover add-on extends similar coverage in case of accidents leading to disability or death of the other passengers in the car.
What is Passenger Cover in Car Insurance?
Passenger cover is an essential add-on in car insurance that offers financial protection to the passengers sitting in the insured car if there's an accident. While not mandatory, the passenger cover is highly recommended, particularly for shared ride vehicle owners. Under the PA cover for passengers, insured individuals can claim medical expenses, death & disability benefits, and funeral expenses.
Benefits of Buying Passenger Cover in Car Insurance
Responsible car owners realize the perils of a traffic accident and the threat they pose to everyone involved. Purchasing the passenger cover not only eases their mind but also offers important benefits in case of untoward situations.
Here are some of the benefits of the passenger cover in car insurance:
- The passenger cover add-on will offer financial help up to Rs. 2 lakh or as listed in the policy in case of a passenger's death.
- This optional cover will include the cost of treatment of passengers in case of an accident.
- A disability liability cover is also offered to the passengers.
- Reduces financial stress as up to three passengers are included under the unnamed passenger cover insurance plan.
Passenger cover in car insurance is also available to commercial passenger vehicles and helps in avoiding any legal hassles. However, exact benefits vary considerably hence it is best to compare different plans on Policybazaar.com before buying the most suitable one.
Scale of Compensation offered under a Passenger Add-on Cover
The percentage of compensation under the passenger cover will be paid in case of the bodily injuries sustained during an accident. Here is a table of the scale of the compensation offered:
| Nature of Injury | Compensation Scale |
| Death | 100% |
| Loss of both limbs or eyesight of both eyes OR Loss of one limb and eyesight of one eye |
100% |
| Loss of one limb OR eyesight of one eye | 50% |
| Permanent disability from injuries other than mentioned below | 100% |
Passenger Cover in Car Insurance: Inclusions and Exclusions
- Hospital Allowance: The unnamed passenger cover includes the cost of hospital expenses for the maximum number of insured passengers as per the policy terms.
- Medical Expenses: The cost of medical expenses caused by the accident will be reimbursed by the insurer as per the policy schedule.
- Medical Transport Expenses: Under the passenger cover in car insurance, many insurers also cover the expenses incurred while transporting the injured insured persons to the hospital.
- Not all insurers offer financial assistance under the unnamed passenger cover, it is important to ascertain this before buying a plan.
- The maximum number of passengers covered in the case of a private car is 1 to 3 However, it may also increase depending upon the seating capacity of the car.
- Physical injuries sustained due to attempted suicide are not covered under the passenger PA cover.
- Accidents caused due to the person being under the influence of drugs or alcohol will not be covered under the passenger cover.
Premium and Compensation under Passenger Cover
The premium charged on a passenger cover add-on fluctuates as per the number of passengers in the vehicle. Here is a table stating the premium charged and compensation offered under the passenger cover:
| Premium (Per seat) | Compensation (Per passenger) |
| - Rs. 50 - Rs. 100 |
- Rs. 1,00,000 - Rs. 2,00,000 |
For instance, if a policyholder opts for Rs. 1,00,000 compensation for a 5 seater car, he/she will be required to pay a premium of Rs. 250 i.e. Rs, 50 for each seat.
However, if the compensation opted is Rs. 2,00,000, He/she will be required to pay premium of Rs.500 i,e, Rs, 100 per seat.
How to Buy Passenger Cover in Car Insurance Online?
You can buy a passenger cover along with your comprehensive car insurance online by following steps:
- Visit the official website of Policybazaar Insurance Brokers Private Limited (Policybazaar.com)
- From the 'Insurance Products' dropdown, visit the 'Car Insurance' page
- Now enter your car number or select either of the other two options
- From the given table, select your RTO, car model, variant and registration year
- Fill in the given form
- Now from the mentioned car insurance plans, select your desired plan
- Now select 'Unnamed Passenger Cover' from the 'Add-ons and Accessories' table
- Select your compensation amount
- Once you have selected the add-on, you can move to premium payment
- Pay the premium amount via desired payment mode
- Once the premium has been paid, your comprehensive car insurance policy along with passenger cover add-on will be issued to you.
How to Raise a Passenger Cover Claim in Car Insurance?
To raise a claim for passenger cover in car insurance, follow these easy steps:
- Intimate your Insurer: Inform your insurance company immediately after the accident.
- Collect Evidence: Gather incident photographs, videos, and other relevant details.
- File a Police FIR: If required, file an FIR at the local police station.
- Document Submission: Submit the required documents, like your car insurance policy copy, a duly filled & signed claim form, an FIR copy, and hospital bills to your insurer.
- Claim Settlement: After a successful document verification, the insurance company will settle the claim for passenger cover in car insurance.
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FAQs
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Q1. What is PA cover for passenger?
Ans: The PA (personal accident) cover for passengers is an add-on cover in car insurance that provides financial protection to the passengers in the car in case of an accident. -
Q2. Can this passenger cover be purchased with a third party car insurance policy?
Ans: No, the passenger cover can only be bought as an add-on along with a standalone own-damage motor insurance or a comprehensive car insurance policy. -
Q3. How much will the passenger cover cost?
Ans: The cost of the passenger cover varies from insurer to insurer and depends heavily on the sum insured. It's best to use an online premium calculator or contact the insurer to know the exact premium cost for the passenger cover. -
Q4. How many passengers will be protected under unnamed passenger PA cover?
Ans: In most cases, the unnamed passenger cover in car insuranceprovides coverage to 1 to 3 passengers travelling in a private car. However, depending on the type of vehicle or seating capacity the number may vary. -
Q5. Does a comprehensive car insurance policy cover passenger injury in case of an accident?
Ans: No, standard car insurance plans don't include passenger cover unless an add-on has been bought at an additional premium. -
Q6. How to select the best passenger insurance coverage?
Ans: You can compare various insurers and check the benefits that are offered at similar costs. Don’t forget to check their claim-settlement ratio and overall reputation before finalizing. You can also check various plans on Policybazaar.com to find car insurance plans with the right passenger cover. -
Q7. Who should buy a passenger cover?
Ans: Though not mandatory, every car owner should buy the PA cover for unnamed passenger with car insurance to ensure that their co-travellers are safe and taken care of. Both private vehicle owners and commercial vehicle owners can buy the passenger cover so that in case of an accident they don't need to worry about expenses. It will also ensure that their financial liability does not shift on the vehicle owner.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
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