header Two Wheeler Insurance

Personal Accident Cover in Bike Insurance Explained

15 July 2022, 4:00 PM

Having bike insurance protects you against any monetary losses arising from accidents that may happen while you are riding your vehicle or even if it’s stolen or damaged by someone else’s carelessness or negligence. Besides, you can have a personal accident cover added to your insurance plan. But what exactly does personal accident cover offer? Here’s everything you need to know about personal accident cover in bike insurance in India!

What is Personal Accident Coverage?

A personal accident (PA) cover in bike insurance comes as an add-on to your comprehensive bike insurance policy. You can even club it with a third-party bike insurance policy. The aim of PA cover is that if you are involved in a road traffic accident, you can claim financial compensation for injuries sustained during that incident.

It’s important to note that personal accident cover does not include property damage or theft claims but instead focuses on bodily injury. To make a successful claim for PA cover, you need to have an active policy with a spotless premium payment record.

Read more - How Much Personal Accidental Cover Will I Get in Car Insurance Policy

Things Worth Knowing About Personal Accident Cover 

  1. If you have family members dependent on your income, they will be eligible to claim compensation if they lose out financially because of your death or injury. However, there is a limit on how much one person can claim. Typically no more than 50% of your total annual salary.
  2. Another thing to consider is that if you want to make a successful claim for PA cover, you must report your incident to your insurance provider within 24 hours of the accident. If you fail to do so, then your policy may become void, and you can't make a successful claim.
  3. It’s also important to note that purchasing personal accident cover as an add-on option will increase your bike insurance premium by around 10%. This means that if you previously paid INR 1,000 per year for bike insurance with comprehensive coverage included, adding PA cover would see your premium rise to around INR 1,100 per year.
  4. The cost of bike insurance in India varies widely depending on your location, the vehicle you own, and the kind of coverage you choose. So, check with your insurer about the premium of bike insurance including that of a PA cover. An informed decision would go a long way in getting the best plan.

Read more - Advantages of Personal Accident Cover With Two-wheeler Insurance

Importance of Personal Accident Cover in Bike Insurance

A personal accident cover protects your family against the financial loss incurred due to death or permanent disability owing to an accident. However, you should remember that PA cover is not included in third-party liability and may vary with insurers. So, check out all these factors before signing up for a policy. 

Regardless of whether you or somebody else commit an error, accidents can happen and cause you injuries and the physical and financial hassles that follow. While you cannot avoid physical suffering, you can offset financial losses resulting from the incident. This is where a PA cover can come in handy for you.

Read more - Is Personal Accidental Cover Mandatory for a Two Wheeler?

Having personal accident cover means that your medical expenses would be covered and save you a handsome amount. It also covers damages to your bike. Remember, both bike owners and drivers can benefit from a personal accident cover.

The Bottom Line

By now, you must have understood what PA cover means in bike insurance and how it helps you in case of accidents. Before purchasing a policy, always ensure that you understand your needs and expectations from it. You can also browse through Paytm Insurance to check various policies and choose the one that perfectly suits your needs. 


1. Does everyone need personal accident cover?

Anyone with a bike is prone to accidents. This is why every two-wheeler owner should have insurance. If you’re unsure whether you need additional cover, talk to your insurance provider. It’ll give you advice on what suits your needs best – and can help ensure that your policy protects everything it should when it comes to bikes.

2. Is it compulsory to get PA cover in bike insurance?

You are required by law to have a personal accident cover for your two-wheeler in India and can be fined under the Motor Vehicles Act on not having it. However, there are some optional add-ons and riders that you can choose from when buying a policy for your two-wheeler. One of these is personal accident cover for motorbikes.

3. Why do I need personal accident insurance?

A personal accident cover is important considering the financial help it extends to your family members should you die or get injured during an accident. Just compare the personal accident insurance policies of different insurers online and pick the one that comes at the lowest premium.

4. What is covered in PA cover in bike insurance?

The personal accident cover is meant to cover medical expenses incurred due to injuries resulting from an accident. Accidents can be like getting hit by another vehicle or falling off your bike, etc. The insurance also covers you for any death that takes place because of an accident. 

5. Do I have to pay extra for my bike insurance to get a personal accident cover?

Yes, you can get a personal accident cover for your bike insurance by paying an extra premium.

Two wheeler Insurance banner
Two wheeler Insurance

Starting at only ₹1.5 per Day*

Enter your details to buy Bike Insurance
By proceeding you agree to Terms & Conditions
Proceed without two wheeler number