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Do You Need Personal Accident (PA) Cover for Two-Wheeler Insurance?

Personal Accident Cover in bike insurance provides financial support in case of accidental death or disability. It is mandatory as per the Motor Vehicles Act and offers benefits like compensation for medical expenses and disabilities. Know its importance, coverage, and exclusions.

  • 21 Apr 2025
  • 6 min read
  • 7081 views

Riding a motorbike can be a thrilling experience, but it also comes with its share of inherent risks. No matter how skilled and careful a rider you are, accidents can happen, and the consequences can be devastating. That is why it is essential to have the right insurance coverage in place to protect yourself and your loved ones from financial hardship in the event of an accident. Personal accident coverage is one type of coverage you may encounter when shopping for bike insurance. But what is it, and why may you require it?

Without giving too much away about the specifics of personal accident cover, it is worth noting that accidents can have a wide range of consequences beyond just physical injury. They can impact our ability to work, our mental health, and our relationships. Personal accident coverage helps mitigate some of these impacts by providing financial support when we need it most.

Initially, the Motor Vehicles Act required bike owners to have at least third-party insurance to ride legally on the road. However, due to the number of road accidents, the Insurance Regulatory and Development Authority of India (IRDAI) later made personal accident insurance mandatory as well.

What is a Personal Accident Cover?

A Personal Accident (PA) cover is a vehicle insurance add-on that offers financial protection to the owner-driver of a two-wheeler in case of an accident. It provides compensation for medical expenses, temporary or permanent disabilities, and even death caused by an accident while riding the insured vehicle.

Key features of a PA cover:

  • Coverage for disabilities: Offers financial aid in case of partial or total disability due to an accident.
  • Death benefits: Provides a lump sum amount to the nominee or family in case of the insured’s untimely death.
  • Flexibility: PA cover can be purchased separately if not included in the base insurance policy.

What is the Importance of Personal Accident Cover?

The importance of a PA cover cannot be overstated, especially for two-wheeler riders who are more vulnerable to road accidents. Here is why it is crucial:

  1. Mandatory as per Law: As per the Indian Motor Vehicles Act, a PA cover is compulsory for all vehicles, including two-wheelers.
  2. Financial Protection: Accidents often come with hefty medical bills. PA cover ensures that you or your family does not face financial hardship during such times.
  3. Disability Compensation: In case of partial or total disability, the cover provides monetary compensation to help you cope with lifestyle changes or loss of income.
  4. Peace of Mind: Knowing that you are covered against unforeseen circumstances allows you to ride with confidence.

How to Buy a Personal Accident Cover in Bike Insurance?

Getting a PA cover is straightforward and can be done in multiple ways:

  1. With Comprehensive Insurance: Many comprehensive two-wheeler insurance policies already include a PA cover as part of the package.
  2. Standalone PA Cover: If your existing insurance policy does not include a PA cover, you can purchase it separately from any insurance provider.
  3. Online Purchase: Most insurance providers offer the option to buy or add a PA cover online through their website or mobile app.

Steps to Buy a PA Cover Online:

  1. Visit your insurance provider’s website or app.
  2. Enter your bike details and select your existing insurance policy.
  3. Choose the PA cover add-on or standalone option.
  4. Make the payment, and the updated policy will be issued immediately.

What is Covered in Personal Accident Cover in Bike Insurance?

As per the rule, you need a personal accident cover of Rs 15,00,000 to ride penalty-free. Here is what the PA rider covers.

  • Accidental death:If the insured passes away unexpectedly in a road accident, the insurance company will provide the full sum insured to the nominated beneficiary.
  • Disability:In the event of disability, the compensation will be in the following percentage.  

Type of Disability

Compensation Percentage to Sum Insured

Death

100%

Loss of two limbs

100%

Loss of two eyes

100%

Loss of sight in one eye

50%

Loss of one limb

50%

Permanent total disability

100%

What is Not Covered in Personal Accident Cover in Bike Insurance?

While a PA cover is comprehensive, it does have certain exclusions. Here is what it does not cover:

  1. Drunk Driving: Accidents caused under the influence of alcohol or drugs are not covered.
  2. Unlicenced Driving: If the insured does not have a valid driver’s licence at the time of the accident, the claim will be rejected.
  3. Suicidal Attempts: Self-inflicted injuries or suicide attempts are not included.
  4. Racing or Speed Trials: Damages caused during illegal activities such as racing are not covered.
  5. Non-Accidental Death: Natural causes of death, such as illnesses or old age, are excluded.

How to Claim PA Cover in Bike Insurance?

Filing a claim under the PA cover is a systematic process. Here is a step-by-step guide:

  1. Notify the Insurer: Inform your insurance provider immediately after the accident.
  2. Collect Necessary Documents:
    • FIR or police report (in case of major accidents).
    • Medical records and bills.
    • Disability certificate (if applicable).
    • Death certificate (in case of accidental death).
  3. Submit the Claim Form: Fill out and submit the claim form and the required documents.
  4. Insurer Verification: The insurer will verify the claim details through police or hospital records.
  5. Claim Settlement: Upon approval, the insurer will disburse the claim amount to the insured or the nominee.

FAQs

  1. Is Personal Accident cover mandatory for two-wheeler insurance?

    Yes, the Indian Motor Vehicles Act mandates a PA cover for all vehicle owners, including two-wheelers.
  2. Can I buy a PA cover separately?

    Yes, you can purchase a standalone PA cover if it is not included in your current insurance policy.
  3. What is the sum insured under a PA cover?

    The standard sum insured is ₹15 lakh, but it may vary based on the insurer and policy terms.
  4. How long does it take to settle a PA cover claim?

    Claim settlement timelines vary by insurer but generally take 7–15 days, provided all documents are in order.
  5. Can passengers be covered under the PA policy?

    Yes, some policies allow you to extend PA coverage to pillion riders by paying an additional premium.
  6. Do I need to buy separate PA covers if I have two bikes?

No, a single PA cover will provide coverage for both your bikes since it applies to the individual policyholder.

  1. Do I need different PA covers for my bike and car?

No, since the PA cover is applicable to the individual, a single personal accident cover purchased for the policyholder will suffice for multiple vehicles. 

Conclusion

A Personal Accident cover in bike insurance is not just a legal mandate—it is a life-saving financial safety net. It offers protection against emergencies and accidents, ensuring that you and your loved ones are financially secure in a difficult situation. From covering medical expenses to providing compensation for disabilities or accidental death, a PA cover is a must-have for every bike owner. By understanding its importance, coverage, and exclusions, as noted in this blog, you can make an informed decision to make the most of your two-wheeler insurancepolicy.


Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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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