Compulsory Personal Accident Cover

Benefits of Personal Accident Cover for Owner/Driver

A car insurance policy isn't just about protecting your vehicle—it's also about protecting you. Accidents can happen without warning—even to the most careful drivers. And having personal accident (PA) insurance coverage for the owner-driver is not just important but essential financial protection in case of serious injuries or death caused by a road accident. Here’s why this coverage is a key part of your car insurance plan.

1. Financial Protection in Case of Injuries

If you suffer injuries while driving your car, the PA cover helps cover your medical expenses.

2. Coverage for Permanent Disability

In case the accident leads to permanent disability, personal accident cover in car insurance ensures you receive financial compensation to help manage lifestyle changes and future medical needs.

3. Financial Support for Your Family

If the accident results in the unfortunate loss of life, the victim's family will receive a payout, offering them much-needed financial support during difficult times.

4. Peace of Mind for You and Your Loved Ones

Whether it’s a minor accident or a major one, knowing you’re financially covered allows you to drive with greater peace of mind.

5. Mandatory Cover

Personal accident cover, also known as PA cover, is a mandatory component under Indian motor insurance regulations for owner-drivers—but beyond compliance, it offers real, meaningful security when you need it most.

Is Personal Accident Cover Mandatory for Owner-Drivers?

Yes, as per the Motor Vehicles Act, 1988, every vehicle owner must have a PA cover for financial protection in case of an accident. Even if a car insurance policy is third-party only, the owner-driver still needs to purchase a separate personal accident cover if not already included.

Personal Accident Compensation for Owner-Driver

The PA cover for owner-driver offers different compensation amounts depending on the severity of the accident. Here’s a general breakdown of compensation under personal accident cover:

• Death – 100% of the insured sum is paid to the nominee.

• Permanent Total Disability – 100% payout for total disabilities like loss of both limbs or eyesight.

• Permanent Partial Disability – A percentage of the sum insured based on the severity of disability.

• Medical Expenses – Coverage for hospitalisation and treatment costs.

What is the importance of personal accident cover?

A personal accident cover in car insurance is more than just an add-on—it’s essential for your financial protection. While standard car insurance covers vehicle damage and third-party liabilities, it doesn’t protect you in case of serious injuries or accidental death.

That’s where PA coverage plays an important role in car insurance. It offers financial support if the driver-owner faces disability, injury, or even loss of life due to a road accident. This personal accident insurance cover ensures that you or your family are not in unexpected medical expenses or financial loss during such difficult times.

A personal accident insurance cover of up to ₹15 lakhs (as mandated by IRDAI) provides critical security—making it a must-have in every car insurance policy.

Premium cost of personal accident cover

The premium for a personal accident (PA) cover is not only affordable but also essential for every vehicle owner.

As per IRDAI guidelines, the premium for a ₹15 lakh PA cover under a motor insurance plan is often fixed and standard.

This minimal yearly investment provides substantial financial support in case of accidental death or permanent disability, ensuring peace of mind for you and your loved ones. Whether you're buying new insurance or renewing your existing plan, adding a PA cover is a smart and budget-friendly move.

PA Cover for Paid Driver/Passengers

When you're on the road, safety shouldn’t just stop with the driver or vehicle—it should extend to everyone inside it.

At Zurich Kotak General Insurance, we understand that your responsibility goes beyond your own protection. Whether you're employing a paid driver or often traveling with family, friends, or co-passengers, our extended PA cover ensures that everyone in your car is financially protected in case of an unfortunate accident.

What Does It Include?

1. PA Cover for Paid Drivers

Offers compensation for accidental injuries, disability, or death of a hired driver while driving your insured car. It ensures legal and moral responsibility is taken care of.

2. PA Cover for Passengers

Provides coverage for unnamed passengers (up to the seating capacity) in case of accidental injuries or death during a ride in your insured vehicle.

Why Buy CPA Cover from Zurich Kotak General Insurance?

A compulsory personal accident (CPA) cover is more than just an add-on—it’s essential protection for you as the owner-driver. At Zurich Kotak General Insurance, we believe your safety and your family’s peace come first.

Here’s why customers choose Zurich Kotak personal accident cover in car insurance:

Hassle-Free Online Purchase & Renewal

Buy or renew personal accident insurance cover online in a few clicks—no paperwork, no queues.

Instant Policy Issuance

Get your accident insurance policy issued instantly after a successful payment.

Financial Protection in Tough Times

In case of permanent disability or death due to an accident, CPA insurance coverage provides the financial support your family needs during difficult times.

Affordable Premiums, Maximum Coverage

Enjoy wide-ranging protection at pocket-friendly prices—because safety shouldn’t be expensive.

Quick and Easy Claim Support

Our responsive claims assistance ensures easy claim processing and support when it matters most.

What is covered in personal accident cover?

A personal accident (PA) insurance cover is designed to financially protect the car owner-driver in case of serious injuries or death in a road accident. As per IRDAI guidelines, this cover provides compensation up to ₹15 lakh.

Here’s what Personal Accident Cover includes:

Accidental Death

In case of the policyholder’s death due to a road accident, the nominee receives the sum insured, offering financial support to the family.

Permanent Total Disability

If an accident results in permanent total disability—such as loss of both limbs or both eyes—the policyholder is eligible for compensation.

Partial Disability

For partial disabilities like the loss of one limb or one eye, the cover provides up to 50% of the sum insured, depending on the severity of the injury.

Loss of Limbs or Vision

Loss of both limbs, or both eyes: 100%

Loss of one limb or one eye: 50%

What is not covered in personal accident cover?

While a compulsory personal accident (CPA) cover provides financial protection in case of injury or death due to a car accident, there are certain situations where this cover does not apply. Understanding these exclusions can help you stay informed and avoid claim rejections.

Here’s what is typically not covered under personal accident cover in car insurance:

1. Accidents During Unlawful Activities

Injuries or death caused while engaging in illegal acts, such as rash driving without a license or evading law enforcement, are not covered.

2. Influence of Alcohol or Drugs

If the policyholder meets with an accident under the influence of alcohol or drugs, the claim will be rejected.

3. Suicide

Claims arising from self-inflicted injuries or suicide attempts are excluded.

4. War or Terrorism-Related Events

Damages or injuries due to war, invasion, terrorist attacks, or similar conflict-related events are not covered.

5. Participation in Dangerous Activities

Accidents occurring while participating as a professional in high-risk activities such as racing, mountaineering, or other adventure sports are excluded.

6. Pre-Existing Conditions

Injuries or complications arising from a pre-existing disability or prior accidental injury are not eligible for a personal accident insurance claim.

7. Pregnancy or Childbirth

Any injury or medical issue related to childbirth or pregnancy is not included under PA cover.

8. Exposure to Hazardous Materials

Injuries caused by biological, radioactive, or chemical contamination are not covered.

No Need to Buy PA Cover More Than Once

A PA cover for owner driver is required only once per individual, not for each vehicle owned. If you already have a valid personal accident cover, you do not need to purchase it again when renewing or buying a new car insurance policy.