Accidents are unfortunate in nature and can not just damage your vehicle or cause an injury to you, but also impact the passenger. The result of an accident can even be death or disability of the passenger. While the owner driver of the car is protected with a personal accident policy which provides coverage in case of death, disability or injury caused due to an accident, a passenger cover in car insurance offers coverage to the passenger in the event of a mishap.
With this cover, the passengers of the insured car are covered in case of injury, disability or death. This type of cover can be purchased along with a comprehensive car insurance policy.
A commercial or private comprehenisve vehicle insurance does not provide coverage for the passengers. In case of an accident, there’s a high possibility that the passenger traveling along with the owner-driver gets injured in an accident. To extend coverage to the passengers, insurance companies offer passenger cover as an add-on that can be purchased along with comprehensive car insurance at an additional premium. With this add on, financial liabilities arising out from death, disability or injury caused to the passengers are covered.
A comprehensive car insurance plan provides coverage to the vehicle owner in case of damages caused to the car or the third party vehicle or property. A personal accident cover which is mandatory to be purchased provides coverage to the owner driver in case of an accident. However, there is no coverage offered to passengers traveling along with the owner driver in the car. To treat injuries caused to the passenger, the owner-driver or the passenger himself would have to spend money out of their pocket. In such cases, a passenger cover comes to the rescue as it provides coverage to the passenger in the event of an accident.
Moreover, as an owner-driver, it is your responsibility to offer protection to the passengers and a passenger cover add-on is the best way to ensure even you are financially protected in case the passenger gets injured.
In case of death or disability caused to the passenger, the below compensation is offered
In case of an accident caused by you, as a car owner, you have obligation to provide protection to the passengers in case they get injured or disabled. Given below are few of the benefits of passenger cover add on in car insurance.
Just like car insurance, passenger cover add on cover also comes with a list of exclusions
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The number of passengers covered under the passenger add-on cover provides coverage for three passengers in case of smaller cars and in case of larger vehicle, the passengers covered depends on the seating capacity of the vehicle
No, you cannot purchase passenger add-on cover with third party insurance. This add on can be purchased only with comprehensive car insurance by paying additional premium.
No, comprehensive car insurance policy does not provide coverage for passenger injuries in case of an accident. However, with passenger cover add on, injuries caused to the passengers are covered.
Yes, a commercial driver can purchase passenger cover in car insurance
Passenger cover add on provides coverage up to Rs. 2 lakhs
The cost of passenger cover add-on depends on the insurance company and the sum insured. You can check on the premium at the time of renewal or insurance purchase.
No, passenger cover cannot be availed with a third party cover; it can be opted for only when buying comprehensive car insurance.
Personal accident cover for passengers provides coverage
Unnamed passenger cover in insurance provides coverage for the unnamed passengers you are traveling along with in your car
