Rahul was on his way to college when a speeding truck suddenly slammed into his bike. As a result, Rahul lost both of his legs. Since he has a comprehensive insurance policy, all the damages incurred by his bike will be covered by his policy. And, his Personal Accident Cover shall provide compensation as per the limit stated in the policy.
With the plight of the roads, it is evident that all two-wheeler owners are driving on the road with a certain degree of risk. A sudden accident can change the course of your life in a matter of seconds without your knowledge. And, all you can do is make sure you're protected by an add-on called Personal Accident Cover. Having this add-on protects you against bodily injury, death, or permanent disability in the event of an accident.
What is a Personal Accident Cover in Bike Insurance?
A Personal Accident Cover is a type of add-on that financially covers you in the event of an accidental death or permanent disability. As per the Motor Vehicles Act, 1988, it is mandatory to have a Personal Accident cover. You can purchase this cover with your existing policy by paying an additional premium.
What are the benefits of Personal Accident Cover in bike Insurance?
A Personal Accident Cover can prove to be a valuable cover in the event of an unfortunate circumstance. Let’s look at the benefits offered by this cover -
1
Ensures financial security
If you are the sole breadwinner of the family, a serious accident will severely impact your lives. Your financial burden can be eased to a certain extent by the compensation you receive from this cover.
2
Covers Medical Expenses
A permanent disability is a lifelong condition that may require expensive and prolonged treatment. The compensation provided by the PA cover can be used to cover these medical expenses, without causing a dent to your savings.
3
Secures your family’s financial future
If you suddenly pass away due to an accident, this will be a major setback for your family. They shall be put through significant mental and financial stress in your absence. In case of any accidental death, your family will receive compensation in the form of a lump sum amount. You can be assured that they are financially secure.
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Best Bike Insurance Policy 2025
Having the appropriate bike insurance in 2025 is not only required by law, but it also serves as your financial safety net, regardless of whether you ride your bike for work, travel extensively, or take a weekend trip. We have selected the best-performing plans in the Comprehensive, Third-Party, and Own-Damage categories in light of the most recent IRDAI regulations and evolving insurer products.
Let's look at this year's top choices.
Top Comprehensive Bike Insurance Plans (2025)
Comprehensive policies cover both your bike and third-party responsibilities, and often consist of useful additions like zero depreciation and roadside support. Riders who desire all-around protection will love these.
| Insurer |
Claim Settlement Ratio (CSR) |
Network Garages |
Notable Add-ons |
| HDFC ERGO |
~99.8% |
6,800+ |
Zero Dep, RSA, Engine Protect |
| Tata AIG |
~98% |
7,500+ |
Consumables, NCB Protector |
| Reliance General |
~98.6% |
8,700+ |
Key Loss, Tyre Cover |
| Liberty General |
~98% |
4,300+ |
Return to Invoice, Engine |
| Go Digit |
~97% |
1,400+ |
Multiple add-on flexibility |
What makes Comprehensive the better option?
- Comprehensive insurance for your car against accidental damage and legal liability
- Adaptable with additions like engine cover, roadside assistance, and zero depreciation
- Enhanced comfort for long-distance and urban riders
Best Third-Party Bike Insurance Plans (2025)
The Motor Vehicles Act requires third-party bike insurance, which shields you from financial responsibility for harm or property damage to other people.
Reliable Providers with IRDAI-Approved Premiums (FY 2022–25):
| Engine Capacity |
Annual Premium |
5-Year Single Premium |
| =75cc |
Rs. 538 |
Rs. 2,901 |
| 75–150cc |
Rs. 714 |
Rs. 3,851 |
| 150–350cc |
Rs. 1,366 |
Rs. 7,365 |
| >350cc |
Rs. 2,804 |
Rs. 15,117 |
Reliable Providers:
- HDFC ERGO: Legal compliance and effective claims
- SBI General, New India Assurance, ICICI Lombard: Renowned for their consistent rates and prompt policy issuing.
Who should consider it?
- Budget-conscious users or those who have older bikes.
- Essential if you already have a separate own-damage cover
Standalone Own Damage (OD) Insurance Plans
Standalone Own Damage plans only cover your bike (not any other property or person). A third-party policy is ideal if you already have one (especially for new bikes after 2019 when IRDAI separated OD & TP plans).
What it covers:
- Your own vehicle's accident damage
- Theft or total loss
- Earthquakes, riots, floods, fire, and more
Top OD Cover Providers:
| Insurer Name |
Why is it Recommended? |
| Tata AIG |
Excellent add-on flexibility. |
| Go Digit |
Offers digital-first claim processing and reasonably priced premiums. |
| IFFCO Tokio |
Full damage payouts and high IDV. |
When is this ideal?
- If you wish to enhance your protection after purchasing a long-term third-party coverage.
- If your bike is expensive or relatively new.
Note: We followed a rigorous validation procedure to provide you with the most accurate and trustworthy list. Premium prices were confirmed using the most recent FY2022–2025 data from the official IRDAI tariff schedules.
Why Should One Buy a Personal Accident Cover in Two-wheeler Insurance?
- Mandatory requirement
A personal accident cover is a compulsory requirement by law.
- Covers Financial Expenses
If you meet with an accident that causes permanent disability or death, your family will endure a staggering level of stress. The compensation you receive from this policy will help your family meet their financial needs.
- Protects pillion
As a driver, you should ensure the safety of the fellow pillion rider, by opting for a Personal Accident Cover for passengers. This will financially cover them in the event of accidental death or permanent disability.
Types of Personal Accident Cover
A Personal Accident Cover is a compulsory requirement for all bike owners. It provides financial coverage against accidental death or permanent disability. You need to opt for a coverage of at least Rs 15 Lakhs.
Example: Raghav holds a comprehensive insurance policy with an IDV of Rs 5 Lakhs along with a PA Cover of Rs 15 Lakhs. On his way to work, he meets with an accident and dies on the spot. The insurer compensates his family as per the policy limit.
There is a separate PA Cover to ensure the safety of the pillion rider. This cover safeguards them against death or permanent disability in case of an accident. Though not mandatory, it's ideal to opt for this cover.
Example: Mohan has a policy with Rs 15 Lakhs PA cover and Rs 1 Lakh passenger cover. After an accident, his friend Monica sustains permanent disability. The insurer compensates her as per the stated limit.
Compensation under Personal Accident Cover in bike insurance
This table lays down the compensation payable for accidental death and injuries -
| Coverage |
Compensation percentage |
| Sudden or Accidental death |
100% |
| Loss of both eyesight or two limbs/Loss of one eyesight and one limb |
100% |
| Loss of one eyesight or one limb |
50% |
| Total permanent disability. |
100% |
Exclusions of Personal Accident(PA) Cover in Bike Insurance
A Personal Accident Cover shall not cover you under certain circumstances. Before purchasing the policy, make sure you are aware of these exclusions.
- A Personal Accident Cover shall not cover any death or permanent disability due to -
- Driving under the influence of drugs, alcohol, or any other intoxicants.
- Any accident occurring outside the specified geographical area.
- Any self-inflicted injury or suicide.
- A vehicle used for racing or motorsports or not being used as per the law and regulations.
- Violation of the law.
- Driving without a valid licence.
How to Buy a Personal Accident Cover in Bike Insurance Online?
In order to purchase a Personal Accident Cover, you need to follow these steps
- Go to the insurer's website. You can have a look at the standard bike insurance policies as well as the various add-on options.
- Scroll down and select the Personal Accident Cover.
- When you click on the cover, the premium for the same can be seen. Following that, you need to provide all the requested details and then proceed with the payment.
- You also have to provide the nominee details as well. This will make the claims process easier for your family in case of an accidental death.
- The policy will be sent to you once all the procedures have been completed. Verify that all the details in the policy are correct.
- Read the policy wordings and discuss with your insurer in case you need any sort of clarification.
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How to Claim a Personal Accident Cover In Bike Insurance Online?
These are the necessary steps to follow to ensure a seamless claim process -
- In case of any mishap or accident, the first thing you need to do is to inform the insurance company about the accident as soon as possible.
- File an FIR with the nearest police station. Providing all details about the accident is necessary. If you sustain severe injuries or if you pass away as a result of the accident, a relative or a family member will need to file an FIR.
- The insurance company shall assign a surveyor to examine the situation and create a report.
- As soon as the surveyor produces the report to the insurer, the claim process shall begin.
- The insurer shall verify the report and check whether all the details are valid. After this is done, the compensation amount shall be provided to you or your family member as per the limit mentioned in the policy.
- It is important to note that in the event of accidental death, the claim should be filed by the nominee whose details are listed in the policy, and the compensation amount will be paid to the nominee only.
Inclusion of Personal Accident (PA) Cover in Bike Insurance
Let's face it: riding a bike in India is about more than just freedom and fuel efficiency. Risk is also a factor. Potholes, reckless drivers, unpredictable traffic - just anything can happen in an instant. That is where Personal Accident (PA) coverage comes in.
Although most of us believe that we are adequately insured by our comprehensive bike insurance, there is one tiny but crucial factor that is frequently missed: your personal safety. Under the Motor Vehicles Act of 1988, PA Cover is a required layer of financial protection, not merely another checkbox. In the event of a lifelong impairment or accidental death while riding, it provides compensation to you or your family.
So, whether you're riding to college like Rahul or headed to work like Raghav, PA Cover ensures that not only your bike is insured, but also you.
Don't Just Protect Your Bike, Protect Yourself
You're wearing a helmet. You have insurance. But are you covered?
Get Personal Accident Coverage now to ride with confidence, knowing that you're covered for life's unforeseen curveballs.
Benefits of Buying Personal Accident Cover from SMC
It's important to think about where you buy your PA Cover. Not only do we sell policies at SMC, but we also assist you in making wise decisions. The following explains why choosing PA Cover with SMC is clear:
- Instant Digital Issue: No fuss with paperwork. From your laptop or phone, get protected in a matter of minutes.
- Professional Advice: Don't know what kind of coverage you need? There is no pressure or jargon as our professionals guide you through each stage.
- Pricing transparency: You pay what you see. No hidden fees later.
- Customer-First Claims Support: In the worst-case scenario, we assist your family in quickly and equitably filing and settling claims.
Your life is worth more than just guessing. Let SMC assist you with properly securing it.
Personal Accident Cover vs. Bike Insurance Add-Ons
To help you understand how PA Cover stacks up against other popular bike insurance add-ons, here is a brief breakdown:
| Feature |
Personal Accident (PA) Cover |
Other Add-Ons (e.g., Zero Dep, Roadside Assist) |
| Covers Bodily Injury / Death |
Yes (mandatory for owner-driver) |
No |
| Legal Requirement |
Yes (as per Motor Vehicles Act) |
No |
| Protects Pillion Rider |
Yes (if opted) |
Depends on add-on |
| Direct Benefit to Policyholder’s Life |
Yes (financial compensation to self/family) |
No (primarily vehicle-related) |
| Add-On to Base Policy |
Yes |
Yes |
| Cost |
Low premium for high coverage (e.g., Rs. 15L) |
Varies by add-on and insurer |
Documents Required to Make a PA Bike Insurance Claim
When you are involved in an unfortunate accident, having the necessary documentation on hand might make a huge difference. This is what you need to make a claim on your Personal Accident (PA) insurance:
- The completed and signed claim form
- A FIR copy immediately filed after the accident.
- Bike RC and a driver's license for proof that you were driving the vehicle legally.
- A copy of your insurance policy proving you had PA coverage
- In the event of an injury, medical records and bills
- In the event of death, the nominee's ID and death certificate
The first step to a successful claim procedure is organisation; try to collect as much information as you can immediately following the event.
Is Personal Accident Cover Mandatory for Bikes?
Yes, it's the law. Under the Motor Vehicles Act, every two-wheeler owner is required to have PA Cover for the owner-driver. If you ignore this, you run the risk of facing legal repercussions. Thus, give it top priority!
Do You Need to Get Personal Accident Cover Separately for Each Vehicle?
Fortunately, no. PA Cover applies to each insurance, not to you. Whether you ride or not, if you own two bikes, each one requires its own PA add-on. Indeed, purchasing a separate policy for each vehicle is necessary because a single policy does not cover multiple vehicles.
Bike Insurance Add-ons
Want more than the bare minimum? The following popular add-ons could broaden the scope of your coverage:
- Depreciation of parts is not taken into account, so you get the full amount of your claim.
- Fuel, jump-start or flat tyre roadside assistance? Help is only a phone call away.
- Covering internal engine problems (gearbox, water intrusion) through engine protection.
- Avoid losing your no-claim bonus due to a minor claim with NCB Protection.
- Optional but sensible, Pillion Rider PA safeguards your passenger as well.
These aren't just superfluous extras; they're helpful enhancements for real-life user risks.
Two-Wheeler Insurance by Popular Manufacturers
This is a list of reliable companies that provide insurance coverage specifically for two-wheelers:
- Hero: Provides customised plans for Hero motorcycles and scooters.
- Honda: Full range of third-party and comprehensive choices for Honda owners
- TVS: Online guidelines for TVS scooters and bikes
- Bajaj: PA Coverage and hassle-free digital issuance are provided.
- Royal Enfield: A vintage vehicle with contemporary safety
- Suzuki: Personalised designs for Suzuki scooters and motorbikes
- Yamaha: Simple claims and flexible add-ons
- KTM: Insurance for adventure-ready KTM motorcycles
Visit the official insurance page of each manufacturer via their website or the owner portal for your bike for precise information and links.
Summing Up!
A Personal Accident Cover is a legal requirement and a safety net that provides financial protection against accidental death and permanent disability. Now that you know the benefits and the importance of a personal accident cover, we are sure that you can go ahead and decide whether or not to purchase it.
No, PA cover is tied to each insurance policy and not you personally. So, if you own multiple vehicles, you’ll need to take separate PA cover under each insurance policy.
Yes, as per the Motor Vehicles Act, PA cover is mandatory for the owner-driver of every two-wheeler. Without it, your policy is technically incomplete (and non-compliant with the law).
Yes, each vehicle you insure must have its own PA cover unless you're already covered under another active motor policy and choose to opt out (some insurers allow this, but you’ll need to declare it).
The mandatory PA cover usually includes compensation of up to Rs. 15 lakh in case of accidental death or permanent disability to the owner-driver. It's a lump sum payout that provides crucial financial support during life-altering events.
Skipping PA cover means you're not legally covered and worse, you're leaving yourself financially exposed in case of a serious accident. Plus, you could face penalties for not having a valid motor insurance policy.
When you get PA cover with your motor insurance, everything’s under one roof. This means less paperwork, smoother claims, and fewer chances of missing something important.
You can opt for Passenger or Pillion Rider PA Cover as an add-on. It’s not mandatory, but it’s a smart way to protect loved ones riding with you.
Mostly yes. The cover amount and basic structure are similar across vehicle types. What changes is who the cover applies to (rider vs. driver) and the nature of the add-ons you may want.
It can, especially if you try to apply one policy to cover multiple vehicles or fail to disclose existing coverages. To avoid messy claim disputes, always be transparent with your insurer and stick to one policy per vehicle.
It’s a solid starting point and is the legal minimum, after all. But depending on your lifestyle, financial obligations, and dependents, you might want to consider higher standalone accident coverage for added security.
