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Importance Of Personal Accident Cover With Two Wheeler

Bikes are the most convenient and preferred mode of traveling for a middle-class Indian. However, due to congested Indian roads and high traffic, these bikes are more prone to accidents. Traffic is the most common cause of bike accidents in India. Despite the risk that comes with the bike, the love and sale of the bike in our country are rising and so are the bike accidents.

To reduce death due to accidents, the government of India has taken many steps. One of which is making bike insurance compulsory for all the riders, under the Motor Vehicle (Amendment) Act, 2019. The act makes it necessary for the rider to buy at least a basic insurance policy, which is known as third-party liability insurance. However, you should know that this type of basic insurance will only offer minimal protection. That's why it is highly advisable to buy a comprehensive insurance with add-ons like personal accident cover. This cover will take care of your finances in case of an accident. To know more about why you should opt for personal accident cover while buying two wheeler insurance, read the abstract given below:  

Personal Accident Cover

If you buy a comprehensive policy, you will get a personal accident cover as an add-on, which will help you or your family financially in case of the accidental death or injuries. You can also purchase this cover for a pillion driver. If you opt for personal accident cover, you will be eligible for getting a maximum payout of Rs 1,00,000/- (age limit 18 to 65 years).

Given below are the benefits of personal accident cover:

  • Benefits On The Accidental Death Of Breadwinner –

    In case of an unfortunate demise of the policyholder due to road accident, his/ her family will get some benefits from his/ her insurance provider. An unfortunate event like this can shatter policyholder's family both emotionally and financially.  In such a scenario, personal accident cover comes handy as it offers 100% of the total sum assured to the family pf the policyholder to help them financially protect.


  • Disability Compensation –

    For instance, if a policyholder gets serious injuries due to a brutal road accident that can lead to temporary or permanent total disability. And if he/ she is the only breadwinner of the family. It will affect the family of the policyholder badly. In such a scenario, 100% of the capital sum assured will be provided to the policyholder and his/ her family. To a certain limit, the insurance company will also compensate for temporary disabilities and permanent partial disability.


  • Hospitalisation Cash –

    Due to a road accident, if the policyholder gets severely injured and needs to get hospitalized, this policy will offer daily cash allowance as hospitalization charges. They will continue to pay for a maximum of 50 days.


  • 24 Hours Claim Assistance –

    Insurance companies that provide personal accident coverage also provide roadside assistance and a customer support team that helps people solve claim-related issues. This supporting team is open 24/ 7, and it helps policyholders throughout the claim process.

Now you know why personal accident cover is necessary with a two wheeler insurance plan.​