• City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only ₹2,094/year #
Compare & Save upto 91%+ on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    • Other models
      Other variants
      Select your variant
      View all variants
        Secure
        We don’t spam
        View Prices
        Please wait..
        By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
        Get Updates on WhatsApp
        Select Make
        Select Model
        Fuel Type
        Select variant
        Registration year
        Registration month
        Save & update
        Please wait..
        Search with another car number?

        We have found best plans for you!! Our advisor will get in touch with you soon.

        Claim Assurance Program

        Claim Assurance Program

        by Policybazaar##

        Dedicated Claim Manager with you from claim start to settlement
        Pick-up & Drop from accident spot to repair workshop to home
        On-Ground Workshop Team for repair & on-time delivery
        24x7 Claim Assistance, on all 365 days - even on public holidays!
        Bonus benefit from insurer
        Repair Warranty on parts repaired at the time of claim

        Compulsory Personal Accident Cover

        A compulsory personal accident or PA cover is an add-on cover that protects the car's owner-driver in case of accidents. It offers coverage for bodily injuries, disabilities, and death from road accidents.

        Read more

        What is CPA in Insurance?

        Personal accident cover in car insurance is a mandatory add-on that helps cover your medical costs if you sustain any injuries in a road accident. It also provides financial support in case of disability or death from a car accident. You need to purchase PA cover alongside either third-party or comprehensive car insurance by paying a little extra premium.

        Benefits of Personal Accident Cover for Owner/ Driver

        Here are some of the benefits of PA cover for owner-driver of the car.

        • PA cover is the best protection option when it comes to securing yourself from any accidental injuries
        • If you meet with an accident while driving your car, PA cover will provide you with financial aid to help you cover medical expenses incurred during your treatment, including hospitalization charges, treatment costs and medical bills.
        • It will also provide you with monetary compensation in case you end up suffering from a permanent disability as a result of the accident.
        • PA cover for owner driver will also provide compensation to the surviving members of your family in case the car accident results in your death.

        Is Personal Accident Cover Mandatory for Owner-Drivers?

        Yes. In India, it is mandatory for all the car owners to have a personal accident cover. This cover needs to be purchased irrespective of whether you are buying a third-party liability-only policy or a comprehensive policy for your car. If you don’t own a PA cover under your car insurance, you will be liable for legal action under the law of the country.

        The whole idea behind a PA cover is to ensure that all car owners are covered against personal accidents up to the minimum mandated coverage limit. As per the India Motor Tariff 2002, personal accident cover is issued compulsorily with every car insurance policy. Therefore, it is granted as part of the comprehensive policy as well as the third-party liability-only policy.

        Personal Accident Compensation for Owner-Driver

        Currently, all car owners are required to buy a personal accident cover of Rs.15 lakh as per the guidelines issued by IRDAI or the Insurance Regulatory and Development Authority of India. The IRDAI has fixed the compensation of PA cover at Rs. 15 lakh following an order from the Madras High Court in September 2018.

        The details of compensation offered under PA cover for Owner Driver and Passengers as per nature of bodily injuries are given below:

        Nature of Injury Scale of Compensation
        Death 100%
        Loss of both limbs or eyesight of both eyes OR
        Loss of one limb and eyesight of one eye
        100%
        Loss of one limb OR eyesight of one eye 50%
        Permanent disability from injuries other than mentioned below 100%

        Explore add-ons for your car insurance

        Plans starting from @ ₹2,094/year*
        Car Insurance
        Zero Depreciation Car Insurance
        Car Insurance
        Bumper to Bumper Insurance
        Car Insurance
        NCB Protector Add-On Cover
        Car Insurance
        Bundled Policy
        Car Insurance
        Roadside Assistance Cover
        Car Insurance
        Return To Invoice Cover in Car Insurance
        Car Insurance
        Engine Protection Cover
        Car Insurance
        Personal Possessions Cover
        Car Insurance
        Voluntary Deductible in Car Insurance
        Car Insurance
        Key Replacement Cover
        Car Insurance
        Daily Allowance Cover
        Car Insurance
        Tyre Protector Cover
        Car Insurance
        Rim Damage Cover
        Car Insurance
        Car Accessories Cover

        Premium Cost of Personal Accident Cover

        Presently, the premium for a personal accident cover of Rs. 15 lakh is fixed at Rs. 750. The IRDAI has fixed this premium amount for PA cover under the bundled car insurance policies for all types of cars. However, motor insurance companies have been granted the liberty to decide the premium for unbundled or standalone personal accident cover.

        Thus, the premium amount for the PA cover can be higher in the case of unbundled and standalone covers. Therefore, going for a bundled car insurance policy is beneficial if you don’t own a personal accident cover. Buying a standalone personal accident cover can turn out to be quite expensive for you.

        No Need to Buy PA Cover More Than Once

        As of 1st January 2019, the IRDAI unbundled personal accident cover, allowing car owners to skip buying the PA cover if they already own one. Let us break it down for you.

        As of 1st January 2019, the IRDAI unbundled personal accident cover, allowing car owners to skip buying the PA cover if they already own one. Let us break it down for you.

        Earlier, personal accident cover came as an in-built component of a car insurance policy. As a result, car owners had to purchase a PA cover every time they purchased car insurance for a new car in addition to the existing car(s). This led to multiple PA covers providing the same coverage but at an additional premium cost.

        Making note of this unnecessary cost borne by the owners of more than one car, the IRDAI decided to unbundle personal accident cover from car insurance allowing people to buy the cover only once.

        save up to 85% save up to 85%

        PA Cover for Paid Driver/ Passengers

        What if you have hired a paid driver to take you around and he gets injured in an accident? Well, there are guidelines for paid drivers too.

        As per the Workman Compensation Act, the owner of the car or the employer is liable to pay compensation to the paid driver in case he gets injured in an accident while driving his/her employer’s car.

        To help you combat such a situation, motor insurance companies offer personal accident cover for paid drivers as an add-on cover. Your insurer will take care of any liabilities towards your paid driver under this cover. However, you will be required to pay an additional premium to buy this cover.

        Similarly, a car owner can also protect passengers in a car from accidental injuries by opting for Passengers Cover at an additional premium. This premium under the Personal Accident Cover fluctuates depending on the seating capacity of the car.

        The details of the additional covers offered for paid drivers and passengers are given in the below-mentioned table:

        Persons Covered Premium Compensation
        Paid Driver Rs. 50 As per the Workmen Compensation Act
        Passengers
        • Rs. 50
        • Rs. 100
        • Rs. 1,00,000
        • Rs. 2,00,000

        Why buy CPA Cover from Policybazaar Insurance Brokers Private Limited?

        • 24x7 Claims Assistance: Our claims experts are now available 24x7 to help you with claim intimation and status updates.
        • Cashless Assurance: Call us and you will get a "Delivery Order" for a cashless facility for repairs at any garage across India. In the rare cases of cashless not being provided to you, the claim reimbursement will be paid within 24/48 working hours’ post submitting documents/original invoice as mentioned against the respective Insurer.
        • 3-Day Repair Assurance: Your car will be repaired at a trusted garage and will be delivered back to you within 3 working days.
        • Free Pickup & Drop: Call us when you need a claim and a garage partner will pick up and drop your car.
        • Self-Video Claims: We have made the claims process cooler and smoother. Simply upload a video of your damage through our PB Claims app and we will take care of the rest.
        • Windshield Claims at Home: Call us when you have a windshield replacement claim and the garage partner will replace the windshield at your home itself.

        Car Insurance for Popular Brands in India

        Maruti Car Insurance
        Tata Car Insurance
        Hyundai Car Insurance
        Honda Car Insurance
        MG Car Insurance
        Kia Car Insurance
        Toyota Car Insurance

        FAQs

        Save upto 91% on Car Insurance
        Got a query about insurance?
        Simply ask us and we will find the best solution to your problem
        Average Rating
        (Based on 1 Reviews)
        Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
        Claim Assurance Program

        Car Insurance Articles

        • Recent Article
        • Popular Articles
        21 Mar 2025

        How are Electric Vehicles Impacting Car Insurance...

        Electric Vehicles (EVs) currently hold a niche spot in the Indian

        Read more
        27 Feb 2025

        Nominee in Car Insurance

        If you own a car, it must be covered under a car insurance policy

        Read more
        25 Feb 2025

        Car Insurance Claim for Minor Car Repairs

        Managing car repairs can be stressful, but a clear understanding

        Read more
        23 Jan 2025

        How to Reduce Car Insurance Premium?

        Reducing car insurance premiums is simple and straightforward. By

        Read more
        20 Jun 2024

        Top 5 Car Care Tips to Beat The Summer Heat

        Extreme heat takes a toll on your four-wheelers, but with a few

        Read more

        How to Check Car/Vehicle Insurance Status Online?

        It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

        Read more

        Getting Your Duplicate Car Insurance Policy is...

        Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

        Read more

        How To Find Car Insurance Details By Registration...

        Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

        Read more

        #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

        *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

        +Savings are based on the maximum discount on own damage premium as offered by our insurer partners.

        ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

        Car Add Ons Insurance Reviews & Ratings

        5 / 5 (Based on 1 Reviews)
        (Showing Newest 1 reviews)
        Pratham
        Gurugram, February 12, 2024
        No claim bonus
        I did not make any claim during the policy tenure so got no claim bonus on my 4 year old Toyota Innova Crysta. I got a discount on the premium rate during the renewal of United India comprehensive car Insurance plan due to NCB. It was very easy to renew the plan online. My plan also includes personal accident cover for the driver.