How is a Personal Accident Cover beneficial in Bike Insurance?

Riding a two-wheeler is an exciting experience and a preferred mode of private transportation in India. While you cruise through the town conveniently with your bike, it also comes with accident risks. The Motor Vehicle Act (1988) makes it compulsory for all owners to invest in a primary, Third-Party Liability.

Still, it is better to pay a slightly higher premium and invest in additional Bike Insurance covers that provide added security, especially in accidents and uncertain consequences.

Personal Accident Cover

This cover in Two Wheeler Insurance offers protection to the bike rider against death or serious injuries sustained in an accident. Additional accident covers are also available for pillion riders. You get compensation of approximately Rs. 1 lakh for riders between 18 and 65 years.

A Comprehensive Two-Wheeler Insurance Plan is attractive because of other factors as well. While you need not pay high premium amounts, it is safe to receive a higher sum assured. Remember to renew your policy annually and before expiry.


Thanks to digital technology, buy online Bike Insurance by visiting the website, comparing the plans, reading the inclusions, and deciding on the scheme. You get the policy document at your registered email address, which you produce as valid proof.

Accidental death

If you are the family breadwinner, opt for an accidental death cover from the General Insurance company. An accident puts the financial condition of all the dependent members in trouble and increases the financial liabilities. If you buy the Personal Accident Cover as part of your 2-Wheeler Insurance, your dependent family members get 100% of the total sum assured for stability during the financial crisis.


Based on the level of the accident, you become temporarily or permanently disabled, adversely impacting your family’s finances. If there is a permanent injury in the accident, the policyholder gets 100% of the sum assured. The accident cover also makes provisions for temporary or permanent partial disabilities. It compensates you with a pre-determined percentage amount of the sum assured.

Cash allowance

If you suffer injuries and require hospitalisation, then, you get a cash allowance to meet these expenses for 50 days from the time of admission.

24*7 assistance

You become eligible for 24*7 claim assistance to help you with all your filing and redressal needs, along with the Personal Accident Insurance. Most insurance companies provide Roadside Assistance to get help as soon as possible. The helpline guides you through the claim process and offers instant support during stressful times.

Renewal benefits

Online 2-Wheeler Insurance ensures you remain carefree about renewal as the insurance provider sends you email and SMS reminders for it. You get unlimited access to the policy document and upgrade it without physical visits to the branch. It saves your time and money as you escape paying penalties to traffic authorities.


Buying Insurance for your bike is a boon for your family and pocket. You escape from unnecessary third-party expenses during accidents and can roam with your family freely on Indian roads. Choose the desired features and plan while buying it and pay the premium online for instant activation.

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