Personal Accident Cover

Accidents don’t inform and happen. They can take place anytime, anywhere, and with anyone. Not only do they cause physical damage and losses, but also bring severe financial stress and create an emotional havoc. All we can do is try our best to stay cautious and protected.

Motor insurance safeguards you and your vehicle against unfortunate situations. It financially covers the damages resulting from natural calamities, accidents, losses incurred due to burglary, theft, riots, strikes, and also protects you against any third-party legal liabilities owing to damages or financial losses caused to them.

You can also customise your insurance policy with various add-ons to expand the scope of coverage. One of the most important add-ons is the Personal Accident Cover.

Personal Accident Add on in Motor Insurance

So Why Is A Personal Accident Cover Essential?

A Personal Accident Cover provides a stable financial backup in case the policyholder suffers heavy accidental injuries. Hence, buying this plan to secure your future against an unfortunate event is highly important.

It gives a death benefit (a fixed amount is given to the nominee of policyholder in case of their death), and provides coverage for partial and permanent disabilities.

The following table gives you a brief outlook on what is covered and to what extent.

Forms of Injury Scale of Compensation



Loss of two limbs or sight of two eyes or one limb and sight of one eye


Loss of one limb or sight of one eye


Permanent Total Disablement from injuries, like irrecoverable or complete loss of speech or hearing


How Do You Purchase A Personal Accident Cover?

A Personal Accident Cover comes as an add-on, and you can purchase it by paying an extra amount, along with the premium.

What Are The Types Of Personal Accident Cover?

There are mainly three types of PA cover, and each cover includes an extra premium that needs to be paid.

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  • PA Cover for Owner-Driver

    It offers you, the owner-driver, protection against disability or death caused due to an accident. PA cover for Owner-driver can be either purchased as an add-on or as a separate standalone policy.

  • It provides support against accidental disabilities that have happened to the owner-driver of the vehicle.
  • In case of the death of the owner-driver, the PA cover will provide financial compensation to their family.
Is This Cover Mandatory?
  • Yes, the Indian government has mandated a Personal Accident Cover for Owner-Drivers for all vehicle owners. This ensures that you are covered against accidental injuries/losses.
  • Initially, the personal accident cover came in-built with a comprehensive policy. Due to this, people who owned multiple vehicles, had to purchase a ‘PA cover for owner-driver’ with each policy that they bought, to cover each vehicle.
  • However, after receiving a lot of feedback, IRDAI issued a circular on 1st January, 2019, which stated that the Personal Accident Cover will be unbundled henceforth, allowing the vehicle owners to buy PA cover once for all the vehicles they own.
The Coverage Will Be Subject To
  • You, the owner-driver, should be the registered owner of the vehicle insured herein.
  • You should be the insured person in the policy.
  • You should hold an effective driving licence, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.
  • PA Cover For Passengers

    You can also secure all the other passengers in your vehicle along with you. You can buy this add-on and safely cover your family members and friends.

  • PA Cover For Paid Driver

    If you have this add-on in your policy, the insurer will pay compensation to your paid driver in case of any disability or death. Thus, with this cover, you can ensure your driver is protected, too.

Things Not Covered In A PA Cover
  • Intentional Self Injury - If the disability or death is caused to the policyholder either intentionally or by intentional negligence, then in such cases the insurer will not be providing any coverage.
  • Death or disabilities due to war - Death or disability caused due to participation in civil war or foreign armed conflicts will not be covered by the insurance company.
  • Death or disability caused due to intoxication - No death or disability will be covered by the insurance company if the same was caused while the owner-driver was under the influence of drugs or alcohol.
  • Death or disability caused due to participation in adventurous sports - Any disability or death caused due to active participation in adventurous sports will not be covered by the insurance company.
  • Pre-existing illness - If any disability or death happens due to an existing illness, it will not be covered by the insurance company.
  • Death or disability during childbirth or pregnancy - If any death or disability is caused during the time of childbirth or pregnancy, it will not be covered by the insurance company.
  • Death or disability caused outside the geographical limit - The insurer will not be providing the coverage in case the death or disability is caused due to an accident outside the geographical limit.
  • The traffic conditions are getting worse with every passing day. With huge traffic and hurrying vehicles on roads, it has become way too stressful to maintain peace of mind and drive. All we want is for you to stay protected, and a Personal Accident Cover, under Motor Insurance, is that protection. It is vital because it comes to your rescue at the most critical moment, and provides you with the maximum financial aid, in all cases.
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