Imagine you purchase a car, hire a driver for it and the driver gets injured while driving. You contact your insurance company to avail coverage and under comprehensive policy, you get cover for your car, but not for the injuries caused to the driver. You then become obligated to pay for the medical expenses of the driver, thus increasing your out of pocket expense. In this case, a paid driver cover can help.
You can purchase a personal accident add-on cover along with comprehensive car insurance policy by paying a little extra premium. This coverage can be opted for by the driver you have hired to drive your car. The sum insured is payable only to the driver who you have declared as the driver in the proposal application. Apart from the driver named, no other driver/person is eligible to receive the financial benefits.
A car owner having a valid driving license is required to buy a personal accident cover along with comprehensive car policy. It provides coverage to the owner/driver against injury, disability or death caused due to an accident. In case of death of the owner/driver, the sum insured is only payable to the legal heir.
This type of add on can be purchased along with comprehensive car policy for covering unnamed passengers traveling along with you in the car. By paying little extra premium, you can avail coverage for the unnamed passenger. Buying this type of cover is an ideal choice as in case of an accident, you become liable to pay for the injuries caused to the passengers.
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Paid driver cover is an add on you can purchase along with your comprehensive car policy to avail coverage for the driver driving your car.
PA cover for paid drivers is personal accident cover for the driver which provides compensation in case of injury, disability or death of the driver.
Yes, personal accident cover for owner/driver having a valid driving license is mandatory; it provides coverage for injury, disability or death of the driver caused due to an accident.
If the driver driving your car meets with an accident then he is eligible to get coverage if you have paid driver add on. However, the driver is eligible to receive coverage only if he is named in the proposal application.
