Passenger Cover Add-on
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Passenger cover in car insurance
When you drive, your responsibility doesn’t end with protecting your car. The safety of passengers—whether family, friends, or co-workers—matters equally. The government of India has set some standard rules and regulations to ensure safe motor driving. Regarding that, there are certain mandatory procedures, including insurance. A car insurance policy includes personal accident cover for the owner-driver, but it does not automatically cover passengers. This creates a gap in protection that can result in significant financial stress if passengers suffer injuries in an accident.
A Passenger Cover in Car Insurance is designed to address this need. It is an add-on that extends the scope of protection to unnamed passengers travelling in your car at the time of an accident. In the unfortunate event of injury, disability, or death, this add-on ensures compensation is provided, covering medical expenses or offering financial aid to dependents.
By choosing a Car Insurance Passenger Add-On, you secure peace of mind knowing everyone in your car is financially protected. It’s not just about compliance—it’s about ensuring care, safety, and support for those travelling with you.
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What Is Covered/ Not Covered Under The Passenger Cover Add-On?
Knowing what the Passenger Cover Add-On includes and does not include helps you protect your passengers and avoid unexpected expenses during accidents.
Passenger Death/Disability
Provides financial compensation to passengers in case of accidental death or permanent disability while travelling in the insured vehicle.
Medical Expenses
Covers medical treatment costs for injuries sustained by passengers as a result of an accident involving the insured vehicle.
Unnamed Passenger Support
Protection extends to passengers who are not specifically named in the policy, including non-family members travelling in the car.
Liability Protection
Covers the financial liability of the insured for injuries or accidents involving co-passengers inside the insured vehicle.
Flexible Coverage
The sum insured for passenger coverage can be selected based on your preference, providing adjustable financial protection.
Excess Seating
Passengers travelling beyond the vehicle’s registered seating capacity, as mentioned in the RC, are not eligible for coverage.
Unlicensed/Intoxicated Driver
No coverage is provided if the accident occurs while the driver is unlicensed or under the influence of alcohol or drugs.
Self-Harm/Unlawful Activity
Injuries or fatalities resulting from intentional self-harm or participation in unlawful activities are excluded from passenger cover.
Normal Illnesses
Medical expenses or claims arising from illnesses or health conditions not caused by an accident are not covered.
Expired Policy
Claims made for passengers are not valid if the insurance policy has expired, lapsed, or was inactive at the time.
What is passenger cover in car insurance?
Passenger Cover in Car Insurance is an optional add-on that you can include in your comprehensive car insurance policy.
● Provides financial compensation for passengers injured or killed in a road accident.
● Covers medical expenses, permanent disability, or death of unnamed passengers.
● Applies to family, friends, or colleagues travelling in the insured car.
● Strengthens your insurance policy by ensuring all occupants are safeguarded.
How does passenger cover work?
The Passenger Cover Add-On works in a simple yet effective manner:
● In case of an accident, passengers injured while travelling in your insured car are eligible for compensation.
● Compensation may include reimbursement of medical costs, disability support, or death benefits.
● Coverage limits depend on the sum insured opted for at the time of purchase.
● The cover applies irrespective of the passenger’s identity (unnamed passengers are included).
This ensures everyone seated in your car has a financial safety net, just like the owner-driver.
Scale of compensation under passenger cover
Compensation under Passenger Cover Add-On varies based on the severity of injury or loss. The table below gives an indicative scale:
Incident | Compensation Payable (as % of Sum Insured) |
Death of a passenger | 100% of the sum insured |
Loss of two limbs/eyes | 100% of the sum insured |
Loss of one limb/eye | 50% of the sum insured |
Permanent partial disability | As per policy terms |
Medical expenses (treatment) | Up to actuals or policy sub-limit |
This ensures fair and structured compensation for different scenarios
Benefits of buying passenger cover add-on
Adding Passenger Cover in Car Insurance enhances your policy with the following benefits:
● Comprehensive Protection: Extends financial safety to passengers.
● Peace of Mind: Reduces stress during road trips with loved ones.
● Affordable Add-On: Low extra premium compared to the high benefits.
● Legal Compliance: Meets liability expectations in case of accidents.
● Financial Support: Covers treatment, disability, or dependent support after accidents.
How to buy a passenger cover online?
Purchasing the Passenger Cover Add-On with Zurich Kotak is a quick and seamless process.
Step-by-step process:
Visit the Zurich Kotak Website – Navigate to the Car Insurance section.
Enter Your Vehicle Details – Registration number, make, model, and variant.
Choose a Comprehensive Policy – Passenger Cover is available only with comprehensive or OD policies.
Select Add-ons – From the list of optional covers, tick Passenger Cover Add-On.
Review Premium & Coverage – Check the revised premium and confirm coverage amount for passengers.
Make Secure Payment – Pay using debit/credit cards, UPI, or net banking.
Get Instant Policy Copy – An updated policy with the Passenger Cover add-on will be emailed/SMS’d to you.
Offline Option: You can also opt for this cover through an insurance agent or by visiting Zurich Kotak’s nearest branch.
Buying online often comes with discounts and helps you compare different add-ons more easily.
How to file the passenger cover add-on claim?
Filing a claim under the Passenger Cover Add-On is simple, provided you follow the proper steps:
Inform Zurich Kotak immediately – Call the helpline, use the mobile app, or log in to the website.
Provide Basic Details – Policy number, vehicle registration, accident date/time, and passenger details.
Submit Required Documents – Accident report, hospital bills, medical certificates, FIR (if applicable).
Survey/Assessment – A surveyor may verify the claim, especially in cases of severe injuries or fatalities.
Claim Processing – Once validated, Zurich Kotak will process the claim based on the scale of compensation.
Settlement – Compensation is either reimbursed (medical expenses) or disbursed as a lump sum (disability/death).
Note: Quick claim intimation and proper documentation significantly speed up settlement.
Things to remember while filing passenger cover claims
● Ensure the car insurance policy, along with the add-on, is active at the time of the accident.
● The number of passengers should not exceed the seating capacity mentioned in the RC.
● The driving licence of the owner/driver must be valid.
● In case of death/disability, relevant medical certificates or post-mortem reports may be required.
● Intoxication, unlawful activity, or expired policies void claims.
Conclusion
Adding Passenger Cover in Car Insurance ensures that your family, friends, or colleagues travelling with you are equally safeguarded against financial risks. While the owner-driver already has a compulsory personal accident cover, passengers often remain unprotected. This add-on closes that gap by covering treatment costs, permanent disability, or even fatalities of co-passengers.
For a small additional premium, Zurich Kotak’s Passenger Cover Add-On provides big benefits—peace of mind, wider protection, and financial security for everyone in the car. It’s a smart choice for responsible car owners who value both safety and financial preparedness.
Why choose Zurich Kotak for your used car insurance?
Zurich Kotak simplifies the process of buying or transferring used car insurance with a customer-first approach:
By choosing Zurich Kotak, you ensure your second-hand car is protected against all significant risks without complications.
Easy online process
Buy or renew policies digitally in minutes.
Affordable premiums
Transparent pricing tailored to old cars.
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Choose from third-party car insurance or comprehensive car insurance policies.
Add-on benefits
Enhance protection with multiple add-ons.
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Frequently asked questions on passenger cover in car insurance
No. Passenger Cover is an optional add-on. However, it is strongly recommended for those who frequently drive with family, friends, or colleagues, as it provides compensation for injuries or fatalities of passengers in an accident.
Yes. The add-on applies to unnamed passengers as long as they are travelling within the seating capacity mentioned in the RC of the vehicle.
Compensation depends on the sum insured chosen. It may cover medical expenses, permanent disability, or provide 100% of the sum insured in case of death.
No. The premium increase is marginal compared to the protection it offers. For instance, adding this cover may cost only a few hundred rupees per year.
No. Passenger Cover can only be purchased with a comprehensive or own-damage policy since third-party policies cover only external liabilities.
Yes. In case of accidents, medical expenses incurred for treating passenger injuries are covered up to the policy’s sub-limit.
You’ll need the insurance policy copy, accident report, medical certificates, hospital bills, and FIR (in case of death or severe injury).
No. It only applies to passengers travelling inside the insured car at the time of the accident.
Yes. Any claim made under Passenger Cover is considered a claim under your policy and may impact your NCB benefits.
Zurich Kotak provides seamless online purchase, transparent claim settlement, nationwide garage support, and trusted coverage. Its Passenger Cover Add-On is designed to deliver affordable yet comprehensive protection for passengers.