Personal Accident Cover in Bike Insurance

According to a survey, India is the largest market for two-wheelers. Around 85% of two-wheelers are sold in the domestic market. When you purchase a bike, it is mandatory to purchase bike insurance also. Since a bike is as not safe as a car, a bike insurance policy can come in handy and provide financial aid in case of any unforeseen accident. You never know when you meet an accident and bikes being the most suitable and affordable mode of transport for the middle-class people accounts for the highest share of road accidents. This is where the role of bike insurance begins.

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A basic bike insurance policy would provide cover for the damage caused to the vehicle but what about you in case you sustain an injury there is a personal accident cover that you can add-on to your existing bike insurance policy. So what is a personal accident cover? Let us tell you.

Personal Accident Cover

Nobody wants to fall prey to any unforeseen accident that can cost them a lot in the form of medical expenses. An insurance policy covers the bike owner from financial as well as personal losses. A personal accident cover in bike insurance that you need to add on to your existing policy separately becomes mandatory because it works for you only.

The personal accident cover is issued to the owner only if he/she has a driving license, if you do not have personal accident insurance then you can add on this cover separately but it will increase the premium rate accordingly.

Importance of Personal Accident Cover

People living in India are well aware of the roads and how bad their condition is. When you get on the road on your bike with the bad traffic, people hurrying up to go to their offices you never know when you meet an accident that can cause a lot of damage and you also sustain severe injury.

Now let me give you an example, you are getting late for your office and you are in a hurry so you think that you can cover up for the time on road by riding faster than usual. You stop at a red light just behind the zebra crossing and as soon as the light turns green, you twist the accelerator and there is a car that did not stop on the red light and hit you. Since the car was on high speed you sustain a severe injury on your leg that cost you a lifetime of disability. Although it is not possible to make the leg as good as new but the personal accident cover can help you save a lot and provide financial aid for the expenditure in the hospital. The personal accident cover is important for these kind of situations which happens all of a sudden.

Is It Compulsory To Have a PA Cover?

As per the motor vehicle act 1988, a bike or a car owner must have a third-party bike insurance policy. After seeing the increment in the road accidents and policyholders raising claim, the government decided to make the personal accident insurance compulsory. The government intended provide cover for any kind of loss and injury that come up in the accident.

However, in this compulsion of purchasing a personal accident cover, slight changes were made in January 2019. The changes made are as follows:

  • If the owner is covered under a stand-alone accident plan and the SI is Rs. 15 Lakh, then a waiver will be provided to them for this cover.
  • If the owner has a personal accident policy for his existing car then he/she does not have to purchase a separate PA cover for his/her new bike or car.

What Is Covered?

There is a limit of coverage defined by the IRDAI that is Rs. 15 lakh. A personal accident cover will provide you compensation in case you sustain any injury, death and any kind of permanent disability because of the accident. There is a percentage of the amount that the insurance company will provide to the policyholder.

  • The company will pay the full Sum insured to the nominee of the policyholder in case of sudden death.
  • In case the policyholder losses 2 limbs, 2 eyes or 1 limb or 1 eye, 100% of compensation will be provided.
  • In case the policyholder losses sight of 1 eye or 1 limb, 50% of compensation will be provided.
  • In the case of permanent total disability, 100% of compensation is provided.


When you purchase a bike, make sure to purchase a bike insurance policy as soon as possible so that you can avail of the benefits of that insurance policy. Although it is mandatory to have an insurance policy otherwise the traffic police can put a hefty fine in case you get caught without an insurance policy. So, it is better to get insured and also it is advised to purchase the insurance policy online because there you can learn about the coverage, exclusions, benefits and other aspects of the policy and it would be beneficial for you purchase the policy online because it will exclude the fee of the insurance agent also.

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