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Personal accident cover in bike insurance

  • Offers compensation in case of accident
  • Covers permanent total disablement
  • Helps reduce hospital expenses
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HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: ₹5,00,000

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₹6,353 + GST
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Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

A personal accident cover in two-wheeler insurance provides financial coverage in case you (owner-driver) suffer bodily injury or death while riding, mounting or dismounting your bike or scooter. While a two-wheeler insurance (commonly known as bike insurance) offers coverage for third party liabilities, man-made and natural disasters, a personal accident (PA) cover ensures that you are also covered. A PA cover in bike insurance typically provides compensation of up to ₹15 lakhs.

What is Personal Accident (PA) Cover in Bike Insurance?

When a road accident leads to serious injury, permanent disability, or death, the financial impact on a family can be devastating. Personal accident cover is what cushions that blow. In bike insurance, this comes built into your policy through Compulsory Personal Accident cover, or CPA in bike insurance.

Here is how it works in practice. Say you are riding your insured bike and get into a serious accident. With Personal Accident Cover, you or your nominee can get a compensation of up to INR 15 lakh, depending on what happened. Lost a limb? That usually comes to 50% of the personal accident coverage. If the accident results in permanent total disability or death, the payout can go up to 100%.

It will not undo what happened, but it means your family has some financial ground to stand on when everything else feels like it is falling apart.

Why is PA cover for bikes important?

PA cover in bike insurance is a vital coverage of a two-wheeler insurance policy. It’s important as it offers:

Extensive coverage

A personal accident cover offers robust coverage in the event of an accident resulting in injury. It provides compensation for death, loss of limbs, eyesight, etc., as per the policy’s terms and conditions.

Rising accident cases

Road accidents involving two-wheelers are increasing rapidly. A personal accident cover in bike insurance gives you peace of mind in case of any eventuality.

Reduce hospitalisation expenses

Even a few days of hospitalisation can result in bills running into several lakhs of rupees. A personal accident cover helps reduce hospitalisation and other medical expenses.

Features of personal accident cover

Here are some vital features of a personal accident cover:

1

Various accident coverage

Bike accidents resulting in bodily injury could be due to different reasons. It could be because of external means or while mounting or dismounting from your bike. PA cover has your back in any event.

2

Covers permanent total disablement

A personal accident cover in bike insurance covers permanent total disablement. You get compensation based on the severity of the disablement as per the policy’s terms and conditions.

3

In-built cover

Our PA cover in bike insurance is in-built into our two-wheeler package insurance policy. You don’t need to buy it separately as an add-on by paying an extra premium.

Is Personal Accident Cover Mandatory for Bike Insurance?

Yes, PA cover is mandatory for bike insurance in India. it is not optional. Under the Motor Vehicles Act and the IRDAI regulations, every two-wheeler insurance policy in India must include Compulsory Personal Accident cover for the registered owner-driver.

That said, you do not need to pay for it twice. If you already have an active standalone PA policy or a CPA add-on under another motor insurance policy, you are covered and can skip buying it again.

Here is something a lot of people do not realise: if you own more than one vehicle, a single valid standalone PA cover works across all of them. The cover follows you as a person, not the specific vehicle you are riding or driving.

Personal accident cover inclusions & exclusion

  • Inclusions
  • Exclusions

A personal accident cover offers compensation in case of:

  • Bodily injury or death while mounting or dismounting your bike
  • Loss of limbs, eye due to accident
  • Permanent total disablement due to accident

Along with inclusions, you must know the exclusions of a personal accident cover. A PA cover in bike insurance doesn’t cover:

  • Intentional self-injury suicide or attempted suicide
  • Accidents due to the influence of liquor or drugs

How can you buy a PA cover online?

As a personal accident cover is in-built into our two-wheeler insurance policy, you don’t need to buy it separately. Once you buy this policy, you get it automatically. To do so:

  • Visit our website here.
  • Choose ‘Bike Insurance’ from ‘Motor Insurance’
  • Enter your vehicle’s registration number, mobile number and click on ‘Quote’
  • Follow the instructions to buy the policy and have PA cover

How to make a personal accident claim in bike insurance online?

To make a personal accident claim online:

  • Inform us regarding your personal accident claim on our toll-free number
  • Fill out the claims form with all the supporting documents
  • We’ll verify the incident and the documents
  • We’ll settle the claim after verification

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Frequently asked questions

What is a personal accident cover in bike insurance?

A PA cover in bike insurance provides financial protection if you suffer bodily injury or death due to an accident while riding your bike. It helps cover medical expenses and disabilities suffered.

What is covered under personal accident cover?

A personal accident covers death, loss of limbs, eyes and permanent total disablement from injuries. Go through the policy wordings to know the coverage in detail.

Will the cover apply if someone else is riding my bike during the accident?

No. Personal accident cover applies only when you, the registered owner, is riding the bike. The benefits are not applicable if someone else is riding and meets with an accident.

Does PA cover in bike insurance cover minor injuries?

Generally, personal accident cover is meant for serious injuries like loss of limbs, eyesight or life. Minor injuries like bruises or cuts are typically not covered.

Can I transfer personal accident cover when I sell my bike?

No. Personal accident cover is tied to the individual (owner-driver) and not the bike. If you sell your bike, the cover doesn’t get transferred.

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Disclaimers:

The information provided on this page is only an indication of the coverage offered. For complete details on risk factors, terms, conditions, coverages and exclusions, kindly refer the policy wordings of Two-wheeler Package Policy carefully before concluding a sale.

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