A comprehensive two-wheeler insurance policy will provide adequate coverage for a slew of expenses. However, some leading insurers also offer specially designed add-on covers – passenger cover, zero-depreciation cover, accessories cover, and the likes -- to enhance basic coverage and make it even more valuable for you.
Besides, there are other add-ons that you can avail by shelling out a nominally higher premium. These riders are particularly helpful, considering they serve to supplement original policy coverage at a relatively low cost.
This article delves into the value-added passenger cover and how it can prove beneficial for you. Read on to know more:
Consider this example – You are riding a two-wheeler with your friend as pillion. In the event of an accident, your comprehensive two-wheeler insurance policy would provide you complete coverage. But what about your friend?
Passenger cover: Explained
Unlike a collision involving your car, a two-wheeler accident can prove fatal, for both the rider as well as the one riding pillion. Both lives would be equally vulnerable in case the two-wheeler meets with an accident and turns turtle. While the vanilla two-wheeler insurance policy covers the rider for damages resulting from death or disability, it is not designed to attend to the pillion.
This is where a passenger cover is immensely beneficial, considering it seeks to provide accidental cover against death or disability (complete or partial) of the co-passenger.
In a nutshell
|What is it?||Who is covered?||Which policy can it be integrated with?||What is the compensation?|
|Passenger cover for the pillion||Co-passenger (The one riding pillion)||This is an add-on cover; hence optional for both comprehensive two-wheeler insurance and third-party liability policy||Compensation will be decided according to sum insured|
Buying a passenger cover as an add-on can be of great help, considering it seeks to cover the pillion rider on top of the coverage that’s provided by the traditional two-wheeler insurance policy.
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