Passenger Cover in Two Wheeler Insurance

The two-wheeler insurance policy is designed to cover your bike or scooter against any loss or damages incurred due to some unforeseen incident like road accidents, theft, etc. The basic bike insurance plan is compulsory to own in India and is known as a third-party bike cover. It compensates the third party against injuries, death, or property loss due to an accident with your bike.

Apart from the third party cover, personal accident insurance for the owner or rider of the two-wheeler is also compulsory to have for all the bike riders, which covers accidental death or any permanent disability suffered by the rider or owner of the two-wheeler subject to a maximum limit of Rs. 15 lakh. However, there is no insurance cover provided for pillion riders under this insurance.

Therefore, to get the coverage for your co-passenger, you can opt for an add-on cover called Passenger Cover with standalone own-damage cover or comprehensive insurance policy by paying an extra premium amount.

What is a Passenger Cover?

The Passenger Cover is an add-on which is designed to cover a person who sits behind you on your bike for injuries or death caused due to an accident or mishap. When it comes to an accident of a two-wheeler, it can be as fatal for a pillion rider as it is for the owner driver, therefore, it is a highly recommended add-cover. You can avail this add-on cover simply by paying an additional premium with your standard bike insurance policy. Purchasing a passenger cover add-on is a wise decision, taking into consideration it seeks to provide protection to the pillion rider in addition to the coverage that is offered by the standard bike insurance policy.

Features of Passenger Add-on Cover

Highlighted below are the features of the passenger add on the cover:

1. It can be purchased by an additional payment of premium with standalone own-damage cover and comprehensive bike insurance cover.

2. This add-on cover for passengers offers coverage for the accidental death and permanent disability or partial disability of the pillion rider.

3. The insurance provider will cover the passenger with this add-on cover and frees you from any burden to compensate him or her for the damages.

Who Should Opt For Passenger Add-on Cover?

When it comes to life, it is important for everyone. Therefore, ideally, every bike owner should opt for this Passenger Cover to insure their pillion riders against any injuries or death caused due to an accident or a mishap. However, it is very much crucial for the following bike owners:

• People living in accident-prone areas
• People who generally carry the passengers
• People who are fond of long-distance journeys with someone.

Why is it Important to Purchase Passenger Cover in Two-Wheeler Insurance?

As a responsible bike owner, you have certain obligations towards the pillion rider or your co-passengers in the event of an accident or mishap, which can possibly leave the passenger with severe injuries or even disabilities. Adding the passenger cover add-on alongside your comprehensive bike insurance policy can offer you enhanced coverage and financial protection to both you and the co-passenger. Mentioned below are some of the advantages of buying a passenger cover:

• Treatment cost covered for co-passenger in the event of an accident or mishap.
• Offers financial help in case the passenger dies.
• Offers financial assistance to passengers in case of disability due to an accident.
• Helps in reducing the stress regarding the safety of co-passenger if any accidental injuries happen due to any mishap with the insured vehicle.