Passenger Cover in Two-wheeler Insurance

About Passenger Add-on Cover

A passenger 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 additional coverage is a must-buy.

Key Features of Passenger Add-on Cover

Here are some key features of the passenger add-on cover:

1. It can be obtained with a standalone own-damage bike insurance cover or a comprehensive bike insurance policy.
2. This add-on cover ensures coverage for accidental death, permanent disability, or partial disability of the pillion rider in case of an unfortunate event, such as an accident.
3. With this add-on, the insurance provider takes responsibility for compensating the passenger for any damages, relieving the bike owner from a burden.

Who Should Buy 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 are living 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 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.

What is a Pillion Rider Insurance Claim Process in India?

To process a pillion rider insurance claim, follow the below procedure:

1. 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.

2. Gather Required Documents

   You are required to submit various documents, in order to process a pillion rider insurance claim. The list of documents will be provided by the insurer.

   However, in unfortunate case where the pillion rider is deceased, here are the list of documents asked by insurer:

   • FIR and post-mortem report.
   • Death certificate.
   • Relationship proof with nominee (if required).
   • Legal heir certificate (if nominee not specified).
   • Aadhar/ID proof of deceased and nominee.
   • 2-wheeler Insurance policy copy.

3. Submit Claim to Insurer

   Fill out the claim form provided by the insurer.

   • Attach all required documents.
   • The insurer may appoint a surveyor or investigator.

4. Claim Assessment and Settlement

   • Insurer assesses if the PA pillion cover was active at time of accident.
   • If valid, the claim is approved, and 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

• Personal Accident (PA) cover for the owner-driver is mandatory, but a pillion rider must be purchased separately.
• Some states/insurers may automatically include PA cover for unnamed pillion riders in comprehensive bike insurance policy. Therefore, you must check it before buying.
• If the pillion rider was not wearing a helmet or if the vehicle was overloaded, insurers may reject the claim.

FAQs - Pillion Rider Cover in Bike Insurance