• The Benefits of Personal Accident Cover in Two-Wheeler Insurance

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    Although a bike is one of the most preferred mode of commute for an average Indian, in terms of safety, it poses may risks to the rider. The convenience that it offers in traversing peak-hour traffic situations is negated by the alarming bike accident statistics. In spite of this, the sale of two-wheelers in the country is on the rise.

    The need to get two-wheelers adequately insured is reinforced by the road accidents that these vehicles are involved in. The Indian Motor Vehicles Act makes it mandatory for all vehicles to be insured with at least a minimum insurance. The basic insurance policy that people purchase to fulfill this is the third-party liability cover. However, this type of insurance only provides you minimal protection, and it is recommended that all riders be covered by a comprehensive insurance policy to tide over unforeseen situations.

    Personal Accident Cover

    In two-wheeler insurance, a Personal Accident cover offers protection against accidental death or injuries suffered by the rider. Additional cover can be purchased for the pillion rider on an optional basis. The maximum amount that is usually offered as compensation by a Personal Accident cover is Rs.1 lakh when the rider is within the age limit of 18 to 65 years.

    Some insurance companies offer this coverage as part of the comprehensive insurance policy. But it is usually available as an add-on cover that one can opt for when purchasing the main policy. The cover will be available at a minimal premium and can be renewed annually.

    Listed below are the key benefits of a Personal Accident cover:

    • Benefit for accidental death - This cover is particularly useful in the case of premature death of the breadwinner of a family in a road accident. An unexpected event such as this could plunge the household into a series of financial liabilities. The Personal Accident cover offers 100% of the total sum assured to protect the family of the policyholder from monetary crisis.
    • Disability compensation - Injuries suffered in accidents can lead to temporary or permanent total disability. This would adversely impact the finances of the policyholder’s family. If the insured suffers permanent total disability in an accident, 100% of the capital sum assured will be provided to his family. The policy also compensates for temporary disabilities and permanent partial disability, up to a certain limit.
    • Hospitalisation cash - If the policyholder is hospitalised due to injuries suffered in a road accident, the policy offers daily cash allowance as hospitalisation charges. This amount can be availed for a maximum of 50 days during hospitalisation.
    • 24 hours claim assistance - Most of the insurance companies that provide this coverage also offer roadside assistance and a helpdesk for claim-related issues, on a 24/7 basis. This makes the claim process quick and hassle-free.

    Exclusions Under Personal Accident Cover

    The following instances are usually not covered by the Personal Accident rider:

    • Death or injury caused by an accident following the consumption of alcohol or drugs.
    • The death or bodily injury caused by the deliberate act of the policyholder.
    • Injury or death due to violation of law.

    In summary, opting for a Personal Accident cover to enhance your two-wheeler insurance policy is a worthwhile investment, as it assures you protection from unexpected events. Most of the Personal Accident riders would include the aforementioned coverage. There may be slight variations in the inclusions and exclusions based on the insurance company and their plan. However, every rider should look to opt for this cover, as it is crucial in protecting his/her loved ones from financial crisis.

    Benefits of Personal Accident Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • New India Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my two wheeler insurance from the NEW INDIA ASSURANCE since 7 years. I had no claiming experience with my two wheeler insurance. Policy coverage is good and also the plan benefit is good in my insurance. When it come to the premium i am satisfied.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the Bajaj Allianz. I am paying the premium of 1100, I do not have any claim experience with the policy. I make payments online which is comfortable for me. I never had any issues so far and I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Reliance from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 1200 has to be paid every year for this insurance policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The policy coverage is good with this policy and I have got the Two wheeler insurance policy around 2 months ago. The customer support service and the response is good with the BAJAJ ALLIANZ GENERAL INSURANCE company. I have paid Rs,2500 to get this policy and it is valid for 2 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I renew my two wheeler insurance policy with the ICICI LOMBARD for the past 4 years. I pay Rs,1200 to renew the policy last time. This policy has the tenure of one year. The plan benefits and the policy coverage is average with the ICICI Lombard two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • United India Two Wheeler Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have insured my two wheeler with the UNITED INDIA INSURANCE company . I am renewing my policy for the past 8 years with the same UNITED INDIA INSURANCE company , because they give intimations on time , at times they miss to send the reminders.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I have insured my two wheeler with the Bajaj allianz general insurance company. The coverage value is not depreciated. Papers are on hardcopy end, which was released. I am really happy with the Bajaj allianz general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have two wheeler, which got insured with the ICICI Lombard general insurance company. Customer service is okay one for me with them. Coverage value is good one with the ICICI lombard general insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the Bajaj allianz general insurance company. I would like to say that the customer service is good one and the coverage value is around 1 lakh Rupees. I really felt happy with the Bajaj Allianz general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Reliance General Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have two wheeler, which got insured with the Reliance general insurance company, I have got it before twenty days of time. I would like to say that the customer service is bit slower one. I am happy with the till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken Bajaj Allianz two wheeler insurance from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 2000 for this insurance policy and it has to be renewed every year.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 11, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Bajaj Allianz from last 2-3 years and it is one of the good policy. I have no claim experience so far from this insurance policy. A premium of Rs 1500 has to be renewed every year for this insurance and the coverage value is good in this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Bajaj Allianz from last 2-3 years and it is one of the good policy. I have no claim experience so far from this insurance policy. A premium of Rs 1500 has to be renewed every year for this insurance and the coverage value is good in this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 3 years, i am not aware of the premium amount for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 2000 for this insurance and has to be renewed every year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 11, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The IFFCO TOKIO GENERAL INSURANCE has insured my two wheeler and I have got the vehicle which has the insurance of good plan benefits and the better coverage with it. I have paid Rs,1200 to get this policy. I would say it is a god service which we get from the IFFCO TOKIO GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Choose Better policy other than ICICI"
      0.5 2.0/5 "Expected more"
      I have got this two wheeler insurance from the dealer. I never met the insurance provider. They have wrongly updated my name in the insurance policy. I have paid the premium of Rs, 1000. They have never explained the benefits and features of this policy. I have paid the insurance by cash. Cashless claim is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Best"
      0.5 4.0/5 "Great!"
      I have two wheeler insurance policy with the ICICI lombard general insurance company. Its very new bike and the customer service is good one, also the coverage value and premium value is fine one too. Everything is better one with the ICICI Lombard general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Need to explore"
      0.5 2.5/5 "Just OK"
      I am holding the two wheeler insurance policy with the ICICI Lombard from 2017 November onward. I am paying the premium through one of my friends. Premium amount is nominal one with the ICICI lombard general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the ICICI lombard general insurance company. I would like to say that the services are good one with them and the coverage value is also fine one too. Response is fine one with thr ICICI lombard general insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 07, 2018
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