Compulsory Personal Accident Cover

Benefits of Personal Accident Cover for Owner/Driver

A PA cover offers multiple benefits to vehicle owners, making it an essential part of car insurance. The key benefits include:

·       Financial Security – Provides a lump sum payout in case of accidental injury, disability, or death.

·       Hospitalisation Coverage – Covers medical expenses for treatments resulting from an accident.

·       Permanent Disability Compensation – If the owner-driver suffers total or partial permanent disability,

the personal accident cover provides a percentage of the insured sum.

·       Death Benefit – In case of the unfortunate demise of the owner-driver, the nominee receives the insured amount under PA cover.

Explore More Under Car Insurance

Along with personal accident cover, Zurich Kotak General Insurance offers various car insurance features, including:

·       Third-party liability insurance

·       Comprehensive car insurance

·       Add-ons like Depreciation Cover, Engine Protect, and Key Replacement Cover

·       Cashless repairs at network garages

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.

Explore Add-ons for Your Car Insurance

Zurich Kotak General Insurance offers several add-ons to enhance your personal accident cover:

·       Passenger Cover – Extends PA cover benefits to co-passengers.

·       Paid Driver Cover – Provides accident compensation for hired drivers.

·       Hospital Cash Benefit – Provides daily financial support during hospitalization due to an accident.

·       Accidental Death Cover – Ensures the nominee receives a lump sum payout.

Premium of Personal Accident Cover

The premium for PA cover depends on the sum insured, the type of policy, and additional riders chosen. Typically, the cost for a PA cover of ₹15 lakh ranges between ₹300 to ₹1,000 annually, making it an affordable and essential protection.

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.

PA Cover for Paid Driver/Passengers

If you have a hired driver or frequently carry passengers, Zurich Kotak General Insurance allows you to extend personal accident cover benefits to:

·       Paid Drivers – A separate PA cover ensures financial assistance for hired drivers in case of accidental injury or death.

·       Passengers – A passenger PA cover provides financial protection for co-passengers traveling in the insured vehicle.

Why Buy CPA Cover from Zurich Kotak General Insurance?

·       Easy online purchase and renewal

·       Instant policy issuance

·       Affordable premiums

·       Quick claim assistance