Passenger Cover in Two-wheeler Insurance

A passenger add-on cover in two-wheeler insurance is exclusively designed to provide coverage to the pillion rider sitting with the driver on the insured vehicle. This add-on offers coverage for bodily injuries or death due to accidents or insured perils. Read ahead to understand everything about passenger add-ons on the below page.

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About Passenger Add-on Cover

A passenger cover is a valuable add-on available with the comprehensive bike insurance, under two-wheeler insurance that offers coverage to an individual who sits behind the rider or driver in a two-wheeler. It safeguards against injuries or fatalities from accidents or other mishaps while riding.

For anyone considering this add-on, it is essential to note that in the unfortunate event, the consequences can be just as severe for the passenger as for the rider. Therefore, this pillion rider's additional coverage is a must-buy.

Key Features of Passenger Add-on Cover

Here are some key features of the passenger add-on cover:

  1. It can be obtained with a standalone own-damage cover or a comprehensive bike insurance policy.
  2. This add-on cover ensures coverage for accidental death, permanent disability, or partial disability of the pillion rider in case of an unfortunate event, such as an accident.
  3. With this add-on, the insurance provider takes responsibility for compensating the passenger for any damages, relieving the bike owner from a burden.

Who Should Buy Bike Passenger Add-on Cover?

Ideally, every bike owner who travels with a passenger or pillion rider should get it to safeguard them against injuries or fatalities resulting from accidents or mishaps. However, it is especially crucial for the following individuals:

  • Those who are living in accident-prone areas.
  • Those who frequently carry passengers.
  • Those who enjoy embarking on long-distance journeys with companions.

Significance of Pillion Rider Insurance Cover

Having a pillion rider cover acknowledges the duty of bike owners toward the safety and well-being of their co-passengers. This add-on has multiple significances, including:

  • It covers the treatment expenses for co-passengers in case of an accident.
  • It provides financial assistance to the passenger's family during their unfortunate demise.
  • It offers financial support to passengers if they suffer disabilities due to an accident.
  • Eases the worries and stress associated with co-passengers safety, ensuring they are protected in case of any accidental injuries resulting from mishaps involving the insured vehicle.

Conclusion

As a bike owner or driver, your sole responsibility is to protect your pillion rider or passenger. Therefore, you can now purchase the pillion insurance add-on by paying a little extra premium with your comprehensive or own damage insurance for bike and keep your peace of mind intact.

FAQs for Pillion Rider Cover in Bike Insurance

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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
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