What is Passenger Cover in Bike Insurance?
A passenger or pillion rider cover is a valuable add-on available with a bike insurance policy that offers coverage to an individual who sits behind the rider or driver in a two-wheeler. It safeguards against injuries or fatalities from accidents or other mishaps while riding.
For anyone considering this add-on, it is essential to note that in the unfortunate event, the consequences can be just as severe for the passenger as for the rider. Therefore, this pillion rider add-on cover is a must-buy.
Who Should Buy a Bike Passenger Add-on Cover?
Ideally, every bike owner who travels with a passenger or pillion rider should get it to safeguard them against injuries or fatalities resulting from accidents or mishaps. However, it is especially crucial for the following individuals:
- Those who live in accident-prone areas.
- Those who frequently carry passengers.
- Those who enjoy embarking on long-distance journeys with companions.
Significance of Pillion Rider Insurance Cover
Having a pillion rider cover acknowledges the duty of bike owners toward the safety and well-being of their co-passengers. This add-on has multiple significances, including:
- It covers the treatment expenses for co-passengers' injuries in case of an accident.
- It provides financial assistance to the passenger's family during their unfortunate demise.
- It offers financial support to passengers if they suffer disabilities due to an accident.
- Eases the worries and stress associated with co-passengers' safety, ensuring they are protected in case of any accidental injuries resulting from mishaps involving the insured vehicle.
Key Features of Pillion Rider Cover in Bike Insurance
Here are some key features of the passenger add-on cover:
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This add-on cover can be purchased with a standalone own-damage bike insurance or a comprehensive bike insurance policy.
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It provides financial coverage for accidental death, permanent disability, or partial disability of the pillion rider.
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Under this cover, the insurer compensates the pillion rider or nominee, reducing the financial burden on the bike owner.
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The coverage is applicable only when a pillion rider is present on the insured bike during an accident.
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The payout amount is fixed in advance and depends on the sum insured selected in the policy.
What is the Pillion Rider Insurance Claim Process in India?
To process a pillion rider insurance claim, follow the procedure below:
Immediate Action
- Take the pillion rider to a hospital for medical treatment.
- If serious injury or death, report to the police and get an FIR registered.
- Notify the insurance company immediately or within 24-48 hours.
Gather Required Documents
- FIR copy and post-mortem report.
- Death certificate issued by the competent authority.
- Relationship proof with nominee (if required).
- Relationship proof with the nominee, if required by the insurer.
- Legal heir certificate if no nominee is mentioned in the policy.
- Aadhaar or valid ID proof of the deceased and the nominee.
- Copy of the active two-wheeler insurance policy.
Submit Claim to Insurer
- Fill out the claim form provided by the insurance company accurately.
- Attach all required documents along with the completed claim form.
- The insurer may appoint a surveyor or investigator to verify the claim.
Claim Assessment and Settlement
- The insurer assesses if the PA pillion cover was active at the time of the accident.
- If the claim is found valid, it is approved after the assessment process.
- The compensation is paid to the injured pillion rider, or the legal nominee in case of death.
Things to Keep in Mind While Raising Passenger Cover Under a Bike Insurance Policy
FAQs - Pillion Rider Cover in Bike Insurance
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Q.1 How much extra is pillion cover?
Ans:The cost of pillion cover is nominal and can be purchased with a comprehensive or own-damage bike insurance policy. -
Q.2 Is the death of a pillion rider covered under the passenger add-on cover?
Ans: Yes, the policy covers the demise of a passenger under this add-on cover. If the insured pillion rider dies, their family will be compensated as per the policy wording. -
Q.3 Is a pillion rider covered by insurance?
Ans: A pillion rider is an optional coverage offered with a comprehensive bike insurance policy. It is not covered under the standard bike insurance policy, rather purchased as an add-on. -
Q.4 What should a pillion rider wear?
Ans: According to the law, wearing an ISI-certified helmet while riding on the insured bike is mandatory for a pillion rider. If the pillion rider is not wearing the helmet at the time of the accident, the claim won’t be entertained. -
Q.5 What is passenger cover in bike insurance?
Ans: A passenger cover is a bike insurance add-on cover that offers financial assistance to the pillion rider in case of injuries or fatalities arising from accidents or other mishaps while riding.
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