Riding a two-wheeler in India comes with significant risk, as road accidents remain a leading cause of injuries and fatalities. In such situations, having financial protection becomes crucial, not just for the rider but also for their family.
Personal Accident (PA) cover in two wheeler insurance provides this essential safety net by offering compensation in case of accidental death or disability of the owner-driver. Every two-wheeler insurance must provide PA Cover of at least ₹15 lakh to the policyholder as per the IRDAI regulation. This regulation was introduced to standardise accident protection and safeguard individuals against severe financial loss.
Disclaimer: The above mentioned prices are for a 2 year old Hero Honda Karizma R 223 CC, registered in Navi Mumbai & previous policy has expired.
Personal Accident (PA) cover in bike insurance is a safety benefit that gives financial protection to the owner-rider if they are injured or die in a road accident. It provides a fixed compensation amount (usually up to ₹15 lakh as per Insurance Regulatory and Development Authority of India guidelines). This cover helps in situations like accidental death, permanent disability, or loss of limbs/eyesight. In simple terms, it ensures that you or your family receive financial support if a serious accident occurs while riding your bike.
Yes, Personal Accident (PA) cover is mandatory for all two-wheeler owners in India under the provisions of the Motor Vehicles Act, 1988 and regulations issued by the Insurance Regulatory and Development Authority of India. This rule ensures that every owner-driver has financial protection in case of serious road accidents.
As per IRDAI norms, a minimum coverage of ₹15 lakh is compulsory for the owner-driver, covering accidental death and disability.
In 2019, IRDAI introduced flexibility by allowing policyholders to opt out of buying a new PA cover if they already have an existing Personal Accident policy of ₹15 lakh or more (either standalone or linked to another vehicle). This helps avoid duplication and unnecessary extra premium payments.
Two-wheeler riders face a higher risk on the road due to minimal physical protection, having this bike insurance addons cover for a crucial financial safety net.
Provides financial compensation in case of accidental death or permanent disability
Helps families manage sudden expenses and loss of income after an accident
Covers severe injuries like loss of limbs or eyesight, reducing financial burden
Ensures peace of mind while riding, knowing you have basic financial protection
Supports long-term stability for dependents during unforeseen situations
Personal Accident cover ensures financial security and peace of mind, helping bike insurance policyholders protect themselves and their family against the financial impact of serious road accidents.
Helps your family stay financially stable in case of your untimely death
Reduces the financial burden during life-changing injuries or disabilities
Provides a safety net without requiring large premiums
Ensures immediate financial support when it is needed the most
Gives confidence to ride knowing you have basic accident protection in place
| Type of Coverage | Compensation (% of Sum Insured) | Description |
| Accidental Death | 100% | Full payout to the nominee if the insured dies due to an accident |
| Permanent Total Disability | 100% | Covers total loss of both limbs, both eyes, or complete paralysis |
| Loss of Two Limbs or Both Eyes | 100% | Treated as total disability with full compensation |
| Loss of One Limb | 50% | Partial payout for loss of a single limb |
| Loss of Sight in One Eye | 50% | Compensation for losing vision in one eye |
| Permanent Partial Disability | As per the insurer-defined scale | Compensation varies depending on the severity of the injury |
Note: The standard sum insured is typically up to ₹15 lakh as mandated by IRDAI, and payouts are made as a percentage of this amount.
Personal Accident cover does not apply to certain situations where the risk is considered avoidable or outside policy terms.
Accidents occurring under the influence of alcohol or drugs
Injuries during illegal activities or criminal acts
Self-inflicted injuries or suicide attempts
Accidents while riding without a valid driving licence
Participation in racing, speed testing, or hazardous activities
War, nuclear risks, or civil unrest-related incidents
Non-accidental death (natural causes or illness)
Buying Personal Accident (PA) cover through Coverfox is simple, it comes included while purchasing or customising your bike insurance policy online.
Visit the Coverfox website and go to the two-wheeler insurance section
Enter your bike details like registration number, model, and basic information
Compare multiple insurance plans from different insurers in one place
Select a policy (third-party or comprehensive) and ensure Personal Accident cover is included or selected
Add or confirm the mandatory PA cover (₹15 lakh for owner-driver as per IRDAI norms)
Make a secure online payment to complete the purchase
Receive your policy instantly via email with PA cover included
Claiming Personal Accident (PA) cover involves a structured process to ensure timely verification and payout after an accident.
Inform your insurer immediately after the accident and register the claim
File an FIR at the nearest police station, especially in case of serious injury or death
Seek medical treatment and collect all relevant medical reports or hospital records
In case of death, obtain a post-mortem report and a death certificate
Fill out the claim form and submit it along with the required documents
The insurer will verify the details and assess the claim
Once approved, the compensation amount is credited to the nominee or policyholder
Duly filled and signed claim form
Copy of Two wheeler insurance policy document
FIR or police report
The driving licence of the rider
RC (Registration Certificate) of the bike
Medical reports, hospital bills, and discharge summary (for injury cases)
Post-mortem report and death certificate (in case of death)
Identity and address proof of the insured/nominee
Bank details for claim settlement
Technically, CPA is a specific type of personal accident cover, but they are not exactly the same in practice. CPA is a mandatory insurance required by Indian law for every owner-driver, offering a fixed cover of ₹15 lakh specifically for accidents involving their vehicle. A General PA policy, on the other hand, is a voluntary, broader plan that covers you 24/7 against all types of accidents (like a slip in the shower or a fall at work) and often allows you to choose a much higher sum insured.
Personal Accident (PA) cover in bike insurance comes with a fixed sum insured and standardised premium set by the Insurance Regulatory and Development Authority of India.
₹15 lakh is the minimum mandatory coverage for the owner-driver across all vehicles
₹750 per year (excluding GST) for a standard annual policy
The premium is fixed by IRDAI, so it remains largely the same across insurers
You can opt for a higher sum insured above ₹15 lakh by paying an additional premium
PA cover can also be purchased separately and will cover you across multiple vehicles you own
While the mandatory Personal Accident cover protects only the owner-driver, riders can extend this protection through add-ons for broader safety.
Provides financial protection to the passenger in case of accidental injury, disability, or death while riding
Covers hired or employed riders/drivers against accident-related risks during vehicle use
To get the most out of your Personal Accident (PA) cover, it’s important to follow good practices both on and off the road.
Keep all documents valid and updated, including driving licence, RC, and insurance policy
Avoid risky behaviour such as drunk driving or violating traffic rules, as this can lead to claim rejection
Ensure all policy details (name, nominee, coverage) are accurate and up to date
Regularly review your coverage and update it if your needs change
Consider add-ons like pillion rider or paid driver cover for broader protection
Always wear a helmet and follow safe riding practices to avoid complications during claims
Inform the insurer promptly after an accident and maintain proper records for smooth claim processing
| No Claim Bonus Add-On | Roadside Assistance Add-On | Return to Invoice Add-On |
| Consumables Cover Add-On | Engine Protection Cover | Passenger Assistance Cover |
Disclaimer: *Discount up to 85% is calculated by comparing different insurers and may vary depending on the insurer, vehicle details, location, and policy terms.
Personal Accident (PA) cover is a mandatory component that provides financial compensation if the owner-rider suffers accidental death or disability while using the bike. It ensures financial support during serious and unforeseen situations.
PA cover primarily applies to the owner-driver of the insured bike. It does not automatically cover pillion riders or other drivers unless additional covers are taken.
The premium is mostly fixed by the Insurance Regulatory and Development Authority of India for standard coverage. However, factors like higher sum insured, add-ons, and insurer-specific options can influence the final premium.
Yes, it is mandatory under the Motor Vehicles Act and IRDAI regulations for all owner-drivers, ensuring basic financial protection in case of accidents.
The standard mandatory sum insured is ₹15 lakh, as prescribed by IRDAI for owner-driver PA cover.
No, the basic PA cover does not include pillion riders. You need to purchase a separate add-on cover for passenger protection.
It covers accidental death, permanent total disability, and partial disabilities like loss of limbs or eyesight, with compensation based on severity.
Common exclusions include accidents under the influence of alcohol/drugs, self-inflicted injuries, illegal activities, riding without a valid licence, and non-accidental deaths.
Yes, you can opt out if you already have an existing PA cover of ₹15 lakh or more, as per IRDAI guidelines.
The premium is ₹750 per year (excluding GST) for the standard mandatory cover.
Yes, it is either included or must be added mandatorily for the owner-driver while purchasing a two wheeler insurance policy.
You may face non-compliance with legal requirements and lack financial protection in case of accidental injury or death.
Yes, you can opt for a higher sum insured by paying an additional premium beyond the mandatory ₹15 lakh cover.
No, PA cover provides a fixed lump sum compensation and does not cover hospital bills. For medical expenses, a separate health or personal accident policy with medical coverage is required.
