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Personal Accident Cover (PA) in a Two-wheeler Insurance Policy - A Detailed Guide

By Vikas Chandra Das
13 October 2022, 12:00 PM

Motorcycles are both good and bad. A bike can often help you reach your destination faster than trains, buses or cabs. Also, two-wheelers are much less expensive than cars. However, motorcycles are riskier than other modes of transportation. Since they run only on two wheels, balancing them is pretty tricky. And the risk factor compounds in the rainy season, as the chances of skidding increases manifold. 

An accident involving a two-wheeler does not only create problems for the bike owner but also their family. Sometimes, the cost of treating the bike owner may be in lakhs, causing extreme financial distress. A comprehensive or third-party bike insurance policy provides compensation for any damage caused to the insured bike or third-party property, person, or vehicle. However, the bike owner or their family usually does not get anything for medical treatment if the accident is near fatal or death benefits if the accident is fatal. This is where a personal accident insurance cover comes into the picture. 

The sections below elaborate on the various benefits of the personal accident cover in a two-wheeler insurance policy and mention the best way to purchase the cover.  

Personal Accident Cover in a Bike Insurance Policy - Definition and Scope

As the name suggests, a personal accident cover, also known as a PA cover, is an additional policy vehicle owners need to add to their existing comprehensive or third-party two-wheeler insurance policy. Through the Motor Vehicles Act 1988, the Indian Government has made it mandatory to include the PA cover in all bike insurance policies. According to the Insurance Regulatory and Development Authority of India (IRDAI), the maximum sum insured of the PA cover can be INR 15 lakhs. 

You can purchase the personal accident cover from the same insurer from whom you bought the comprehensive or third-party bike insurance policy. Alternatively, you may purchase it from a different insurer offering lower rates. 

The personal accident cover provides financial coverage of up to INR 15 lakhs to the insured bike owner in the case of near-fatal injury, permanent total or partial disability, or accidental death. Remember, you can purchase the PA cover only if you are the principal policyholder and own a valid comprehensive or third-party two-wheeler insurance policy. Also, you can only claim financial coverage if you hold a valid driving licence. It is worth noting that the PA cover can be purchased by anyone aged between 18 and 65 years. 

Generally, the personal accident cover in a two-wheeler insurance policy provides the following amount in the case of an accident affecting the bike owner:

Death 100% of the Sum Insured
Permanent Total Disability100% of the Sum Insured
Loss of Two Limbs100% of the Sum Insured
Loss of Two Eyes 100% of the Sum Insured
Loss of One Limb and One Eye100% of the Sum Insured
Loss of Sight in One Eye50% of the Sum Insured
Loss of One Limb 50% of the Sum Insured

Personal Accident Cover in a Bike Insurance Policy - The Top Benefits

Financial Protection

The financial implications of a crash are unpredictable. Besides affecting the motorcycle owner mentally, a bike accident can devastate their family. However, if one includes a PA cover in their bike insurance policy, their family can rest assured when it comes to medical treatment expenses. Also, insurers provide 100% of the sum insured or INR 15 lakhs in the case of the policyholder’s unfortunate demise due to an accident.

Read more - All About Personal Accidental Cover in Two Wheeler Insurance Policy

Immunity from Legal Troubles

Since personal accident cover is mandatory in two-wheeler insurance policies, non-possession of the cover makes your bike insurance policy incomplete. So, if the police catch you without the cover, they will levy a fine and may seize your driving licence. However, if you own the PA cover, you can ride peacefully without worrying about insurance-related fines.   

Quick Purchase

Online insurance aggregators like Paytm Insurance facilitate instant PA cover purchases. You can visit Paytm Insurance’s official website, enter your vehicle number, compare policies, and buy with a click. The policy thus purchased is sent to your email address within seconds. You can take a printout of the same to increase your peace of mind. 

Personal Accident Cover in a Bike Insurance Policy - How to Purchase it?

Here is the best way to add the Personal Accident cover to a two-wheeler insurance policy:

  • Visit Paytm Insurance
  • Click on 'bike insurance'.
  • Click on ‘comprehensive two-wheeler insurance’ or ‘third-party two-wheeler insurance’.
  • Enter your motorcycle’s registration number in the appropriate box.
  • Enter your name, email address, and phone number and hit ‘Submit’.
  • Pay the premium amount.
  • Check your email to download the policy.


Besides being mandatory, the personal accident cover in a two-wheeler insurance policy provides financial protection against the death, injury, or disability of the bike owner. Paytm Insurance simplifies PA cover purchases by showing the most affordable policies you can purchase with a click. 

Read more - Personal Accident Cover in Bike Insurance Explained


1. Is a personal accident cover mandatory for two-wheelers?

Yes. According to the Motor Vehicles Act, 1988, a personal accident cover must be included in all bike insurance policies. Moreover, according to the IRDAI guidelines, the PA cover must be INR 15 lakhs.

2. Do I need two personal accident covers if I own two motorcycles?

No. You need only one personal accident cover since the sum insured of INR 15 lakhs applies to the individual owner and not on bikes. 

3. Does a bike insurance policy automatically include the personal accident cover?

No. A comprehensive or third-party two-wheeler insurance policy does not automatically include personal accident cover. So, you must buy it separately.

4. Which documents shall I submit to purchase the personal accident cover?

Besides the documents you submit to buy a comprehensive or third-party bike insurance policy, you don’t need to submit anything else to add the Personal Accident cover.  

5. Do I need a personal accident cover for the pillion rider?

No. The personal accident cover is only mandatory for the bike owner and not the pillion rider. But you can purchase the ‘passenger cover’ rider to insure the pillion rider.



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