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Understanding Compulsory PA Cover for Owner-Drivers

Compulsory PA cover protects vehicle owners from financial losses due to accidents. It provides compensation for injuries, disabilities, and fatalities, ensuring security for owners and their families.

  • 14 Apr 2025
  • 3 min read
  • 104 views

If you have been researching car insurance, the term "compulsory PA cover for owner-driver" must have come up sometime. It does sound somewhat technical, but it is part of your motor insurance policy and refers to personal accident (PA) cover. Let’s understand in more detail what is compulsory PA cover for owner-driver.

Is Owner-Driver Personal Accident Cover Compulsory?

What is compulsory owner-driver personal accident cover? The compulsory PA cover for owner-drivers stands as a guarantee that, first and very crucially, you, the vehicle owner, are insured from accidents that may result in injury, disability, or death. Here's a simple breakdown:

  • Protection From Injuries: This cover compensates if you, the owner-driver, get hurt in an accident.
  • Disability Coverage: In case of permanent disability following an accident, coverage assures you that there will be some source of income to replace your lost earning capacity.
  • Death Benefits: If the accident is fatal, your family will be paid.

 

The Insurance Regulatory and Development Authority of India (IRDAI) has announced that effective January 1, 2019, while PA coverage is mandatory, it need not be bundled with every new motor insurance policy. If you already have the required PA cover, you don't need to repurchase it for additional vehicles. Hence, if someone were to ask you, “Is owner-driver personal accident cover compulsory?” or “Do I need personal accident cover on my car insurance?” The answer would still be “Yes”.

Conclusion

Overall, compulsory PA cover for owner-drivers is an integral part of car insurance that provides vital protection in the event of accidents. It is obligatory so that you and your near and dear ones may get financial protection. Hence, when renewing or purchasing a new vehicle, ensure to have this cover.


Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

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