What is Personal Accident Cover and What Are the Benefits It Offers?

riding a bike is fun and exciting. It is one of the easiest ways to get around independently. Being the best way to get around town quickly, it also comes along with some unknown risks like accidents.

Personal accident cover in bike insurance is tailor-made for such scenarios. In case you do not have a personal accident cover or an insurance policy, you can conveniently buy bike insurance online.

Let’s learn what “personal accident cover” means in bike insurance and its benefits. But before that, do remember that all bike owners, new and old, must buy a standard third-party insurance policy. The Motor Vehicle Act of 1988 has made this mandatory.

What does “personal accident cover” mean in a bike insurance policy?

One of the most important aspects of bike insurance is the personal accident cover, which covers the bike rider in the event of getting hurt or having an unfortunate mishap in an accident. You can also buy personal accident coverage for pillion riders to protect them also in case of an unfortunate accident.

Most comprehensive insurance policies include coverage for personal accidents. However, comprehensive insurance coverage takes into account a lot of extra factors, which is why you should opt for it.

When buying a new bike insurance policy, keep in mind to include personal accident cover, the benefits of which are explained further in the article.

The benefits of personal accident coverage in bike insurance

With personal accident bike insurance, you can get the following benefits:

  1. Benefits due to accidental demise: If you are your family’s primary source of income, you should get this cover. If the only person in the family who makes money; unfortunately faces a mishap, then an insurance policy would come in handy in such a situation.

Therefore, buy personal accident cover in bike insurance as part of your two-wheeler insurance. Your dependent family members may get 100% of the total sum assured.

  1. Compensation due to partial or complete disability: Depending on how bad the accident is, someone could be temporarily or permanently disabled. Accident coverage in bike insurance covers temporary and permanent partial disabilities. The degree of disability determines how much compensation is paid.
  2. Cash payment for hospital bills: Suppose the policyholder gets hurt badly in a bike accident that he needs to stay in the hospital for a certain time. In that case, he can get a cash allowance from the company most of the time for being in the hospital for the duration specified in the policy terms.
  3. Help available 24X7: Along with the personal accident cover, you get 24×7 claim assistance to help you with all your claim filing and redressal needs. During these stressful times, the helpline will give you immediate help and walk you through the claim process.

* Standard T&C Apply

In conclusion, we can say that if you own a bike, you should get accident coverage as part of your two-wheeler insurance. The benefits may be worth more than what you would pay in premiums. Check your bike insurance online now and confirm if it has a personal accident cover to enjoy a secured ride.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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