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Personal Accident (PA) Cover in Bike/Two-Wheeler Insurance

Team AckoJan 17, 2024

No matter how healthy or what age you are, a serious accident can significantly change your life. A Personal Accident (PA) cover in bike insurance offers peace of mind by taking care of the financial implications of a severe accident. Apart from being mandatory, the PA cover provides several benefits to you. Read ahead to understand the importance of Personal Accident cover in bike insurance and how you can buy the cover online.




What is Personal Accident Cover in Two-wheeler Insurance?

Simply put, Personal Accident cover is a type of general insurance that offers financial coverage to the policyholder or dependents in the case of accidental death, disability, or injury to the two-wheeler owner. 

Two-wheeler riders in India are mandated to secure themselves with the Personal Accident (PA) cover as per The Motor Vehicles Act, 1988 while buying/renewing the Comprehensive Cover or Third party Bike Insurance Policy.

The PA cover is issued to the owner-rider (policyholder), and they are entitled to the financial coverage only if he/she holds a valid driving license. The cover is extended to vehicle owners in the age group of 18 and 65 years.

Benefits of Personal Accident Cover in Bike Insurance

Accidents can affect your life and finances. A PA cover will ensure you or your family is financially protected during such difficult times. Apart from providing peace of mind, it also comes with the following benefits.

  • Financial coverage to the two-wheeler owner if an accident results in permanent disability.

  • Financial coverage to the two-wheeler owner for medical expenses in the form of a lump-sum payment of the sum assured amount.

  • Financial coverage for the family of the deceased.

How to Buy a Personal Accident Cover in Bike Insurance?

The PA cover is compulsory and can be bought while buying or renewing the insurance policy. However, it does not come bundled with the Third-party Liability Policy or the Comprehensive Bike Insurance Plan. You need to buy the mandatory add-on cover separately when you buy/renew the bike insurance.

At ACKO, you can buy the Personal Accident cover online. There is no paperwork involved, and it can be purchased with a few clicks on the website or the mobile app.

Follow the steps below to buy the Personal Accident (PA) cover in two-wheeler insurance.

Existing ACKO customers:

  • Step 1: Log in to your ACKO account through the website/app, and select the insurance plan for your bike to renew the plan.

  • Step 2: Choose the option to include the PA cover, pay the renewal and PA cover charges, and receive the policy document to your email account.

New customers:

  • Step 1: Visit ACKO’s website or download the ACKO mobile app.

  • Step 2: Share details of your bike and previous policy.

  • Step 3: Select the insurance plan and PA cover.

  • Step 4: Pay the premium online and get the policy document immediately.

Why is the Personal Accident Cover in Bike/Two-wheeler Insurance Important?

As per India Consumer Economy (ICE) 360 Degree Survey, two-wheelers outnumber four-wheelers in India by nearly 25%. The sheer number of bikes and scooters on public roads increases the chance of accidents. It is crucial to prepare for any uncertain danger that could impact your finances.

The Personal Accident cover in motor insurance provides the owner-rider maximum financial cover in case of death or disability. Thus, the PA cover is a crucial part of your insurance plan, and it is vital to buy the mandatory cover.

What is Covered in Personal Accident Cover in Bike Insurance?

Under this add-on cover, the policyholder or dependents will receive compensation in case of death, bodily injuries, or permanent disability caused by an accident. As defined by the Insurance Regulatory and Development Authority of India (IRDAI), the maximum coverage under this cover is Rs. 15 lakhs.

Here is the breakup of the compensation under the Personal Accident add-on cover in two-wheeler insurance.

Nature of Coverage Compensation (%)
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
Permanent disability 100

What is Not Covered in Personal Accident Cover in Bike Insurance?

Injury or death arising from an accident under the following circumstances is excluded in the Personal Accident coverage in two-wheeler insurance.

  • Consumption of intoxicating substances while riding the insured vehicle

  • Accident incurred outside the specified geographical area

  • A deliberate act of the policyholder

  • Violation of the law

How to Claim PA Cover in Bike Insurance?

The policyholder or the dependent can claim under the Personal Accident insurance policy of the respective two-wheeler. Here are the instructions to make a claim against the PA cover.

  1. Inform ACKO about the incident and the resulting loss without any delay.

  2. File a First Information Report (FIR) at the local police station and follow it with the Final Report (FR).

  3. Submit all documents online and wait for ACKO to verify the details to settle the claim accordingly.


Personal Accident cover is your go-to plan if you want higher compensation against unforeseen accidents. You can never know what can happen next; hence, it is ideal that you protect yourself and your dependents with the PA cover. 

You also get the relief of knowing that your family is also protected. At ACKO, you can buy the Personal Accident cover online without the need to fill an application or paperwork. So, secure yourself and your family with the mandatory PA cover under the vehicle insurance and be at peace of mind.

Frequently Asked Questions

Here are some of the commonly asked questions about PA cover in bike insurance.

Is it mandatory to buy the Personal Accident cover for two-wheelers?


Yes, it is mandatory as per The Motor Vehicles Act, 1988. You can purchase it while buying or renewing your bike insurance policy. Please note, it has to be bought separately since it does not come bundled with the vehicle insurance policy.

Do I have to buy two PA cover if I own two bikes?


No, you need to purchase only one PA cover since the coverage is for the individual and not for the vehicle.

Does bike insurance include Personal Accident cover?


No, two-wheeler insurance, be it the Third-party Liability cover or the Comprehensive Cover, does not include the PA cover. You have to buy it separately.

What documents are required to buy PA cover in bike insurance?


There is no document required to buy PA cover under the vehicle insurance. Visit ACKO’s website or app to buy the PA cover while buying a new plan or renewing the existing plan.

Do I have to buy a separate PA cover for my bike and car?


No, just one PA cover is required as it is not associated with the vehicle but with the individual.

Does the PA cover in bike insurance cover the pillion rider?


No, the PA cover is mandatory only for the owner-rider of the bike.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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