Driver/Passenger Cover Under Car Insurance

Personal Accident Cover for Owners, Drivers, Paid Driver, and their Passengers

Personal Accident Coverage for owner-drivers is mandatory. However, there are options available to insure the Personal Accident risks of any paid driver or passenger who would use your car.

Personal Accident Cover for Owner-Driver

If you are a car owner with a valid driving license, it is compulsory for you to have Personal Accident Coverage under your car insurance policy. It gives you coverage in case of an unfortunate demise or total permanent disability caused in direct relation to the vehicle registered to your name. *

The Condition: The insurance amount is payable to the policyholder or his/her legal heir only. No other person can raise a claim even if they were deemed owner and happened to be driving the car at the time of the accident.

Personal Accident Cover for Paid Driver

In another scenario, you may own a car but employ another individual for driving it. You have the option to pay a little extra premium for an add-on to cover him/her as well. This add-on is called Personal Accident Cover for Paid Driver. *

The Condition: The sum insured is payable to only the person declared as the paid driver in the add-on’s proposal application. No other person could claim the financial benefits even if they were paid to drive that particular car.

Personal Accident Cover for Unnamed Passenger

As the owner of the car, you are liable to pay for any injuries that your passengers may suffer in case of an accident while they are in your vehicle. You have the power to insure the lives of your passengers as well by getting an add-on called the Personal Accident Cover for Passenger. In this add-on, if your car has three passenger seats, you can choose to insure up to three passengers. *

The Condition: There must not be more passengers in the car than legally allowed, during the accident.

How Does The Driver And Passenger Protection Cover In Car Insurance Work?

A standard comprehensive policy ensures financial protection for your car in the event of an accident. In addition to that, the personal accident cover, a part of your comprehensive insurance plan, protects the owner-driver in case an accident results in an injury or death. When it comes to a paid driver, the policyholder can buy a personal accident cover for paid driver. However, no coverage is available for the passengers in your car. That’s when you need to opt for a passenger protection cover. Also known as passenger protection cover for unnamed passengers. *

Passenger protection cover is an add-on to the standard car insurance policy that covers the passengers' medical expenses and liability claims in case of an accident. The cover can be extended to all passengers, including family members and friends, travelling in the insured vehicle. In case of an accident, the passenger protection cover will compensate for medical expenses, including hospitalisation costs, doctor's fees, and other related expenses. *

What Are The Advantages Of Driver And Passenger Cover In Your Car Insurance Policy?

Having driver and passenger protection cover in your car insurance policy has several advantages.

First, it provides coverage for medical treatment to the injured passengers in your car. Second, it helps to minimize the financial burden in the unfortunate event of passengers in your car. Third, it provides disability coverage to passengers.

Exclusions of Passenger Cover in Car Insurance

Just like all insurance policies, the unnamed passenger cover has certain exclusions.

✓ No financial assistance is provided by the insurer if the passengers have walked away from the scene of the accident. *

✓ The passenger cover is limited to the maximum seating capacity of the car as specified by the manufacturer. Thus, if the number of passengers exceeds the specified number of people by the manufacturer, no coverage is available. *

✓ The injuries to the passengers due to attempted suicide or self-inflicted injury are excluded by the unnamed passenger cover. *

✓ Accidents that injure the passengers when the driver was under the influence of alcohol, or any other intoxicating substance are specifically excluded. *

What are the Steps to Raise a Claim under Driver and Passenger Cover?

Raising an online car insurance claim under the driver and passenger cover is a simple and hassle-free process. Here are the steps you must follow:

Step 1:

The first and foremost thing when raising an insurance claim for passenger cover is to inform your insurance company. Here’s when you explain to the insurer about the accident and the injuries faced by the passengers.

Step 2:

The next step is to file an FIR at the police station of the governing jurisdiction. This is a critical step when you raise an insurance claim. Thus, do not skip this step.

Step 3:

In case of an accident involving a third party, make sure to specify the details of such third party too.

Step 4:

Specify the details of the hospital where you and the passengers of your car are receiving treatment for the injuries.

Step 5:

The insurance company appoints a surveyor to evaluate the damages to your car and commence the settlement process accordingly.

Step 6:

The insurance company provides financial assistance for the treatment of the passengers and even the owner-driver. Depending on the policy’s terms and conditions, the insurance company will pay compensation to the victim's family in case of death.

Conclusion:

Personal Accident Cover is an essential add-on to any car insurance policy, providing comprehensive protection to all occupants of the vehicle. It is crucial to understand the policy's inclusions and exclusions to ensure that you make an informed decision. In case of an accident, the claim process is simple, and the insurance company will settle the claim as per the policy terms. Therefore, it is recommended to include passenger cover in your car insurance policy to ensure the safety and protection of all passengers.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.