CPA cover, or compulsory personal accident cover, is a mandatory car insurance policy that provides financial protection to the owner-driver of a vehicle in case of accidental injury, disability, or death. It ensures that in case of a serious accident, the insured or their family receives financial assistance or burden. As per IRDAI guidelines, every vehicle owner must have this PA cover, making it an essential part of your motor insurance plan.
We take your safety seriously
6500+
Cashless garages
Jet-speed
claims
Upto
50% No Claim Bonus
24/7
Around the clock assistance
Note: The above data is till 1st April, 2025
What is CPA in Insurance?
Cashless garages near you
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
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.
Explore More Under Car Insurance
Along with personal accident cover, Zurich Kotak General Insurance offers various car insurance features, including:
Add-ons like Depreciation Cover , Engine Protect , and Key Replacement Cover
Cashless repairs at network garages
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.
Important car insurance terminologies you must know
Insured Declared Value (IDV)
IDV is the maximum sum your insurer will pay if your vehicle is stolen or declared a total loss. It reflects your car’s current market value after depreciation. Setting the right IDV helps balance your car insurance premium and claim amount.
No Claim Bonus (NCB)
NCB is a discount on your car insurance premium earned for each claim-free policy year, starting at 20% and going up to 50%. It’s transferable when switching insurers and encourages safe driving habits.
Depreciation cover
A depreciation cover, often called zero depreciation add-on, ensures your claim amount isn’t reduced due to part depreciation. It covers full replacement costs of damaged parts, excluding wear and tear, during a valid claim.
Premium
The premium is the cost you pay to keep your car insurance policy active. Factors like IDV, vehicle age, coverage type, add-ons, and claim history influence the premium amount.
Coverage in car insurance policy
Coverage refers to the protection your car insurance policy offers—ranging from third-party liabilities to own-damage protection against accidents, theft, fire, and natural or man-made calamities.
Own Damage cover
Own Damage cover protects your vehicle against accidental damage, theft, fire, and natural disasters. It’s available as part of a comprehensive policy or as a standalone cover alongside third-party insurance.
Cashless claims
Cashless claims let you get repairs at authorised network garages without paying the full bill upfront. Your insurer directly settles the approved amount with the garage, reducing out-of-pocket expenses.
Comprehensive Insurance
Comprehensive insurance offers complete protection by combining third-party liability cover with own-damage coverage, plus the option to add extra benefits through add-ons for enhanced security.
Deductibles
A deductible is the fixed amount you must pay from your pocket before your insurer covers the remaining repair cost during a claim. Choosing a higher voluntary deductible can lower your premium.
Third-Party Liability
Coverage that compensates for damages or injuries caused to another person, vehicle, or property.
Personal Accident Cover
Compensation for injuries, disability, or death of the insured person due to an accident.
Endorsement
A modification or addition to the existing insurance policy.
Cashless Garage Network
A list of garages where repairs can be availed without paying upfront, as the insurer settles the bill directly.
Claim Settlement Ratio (CSR)
The percentage of claims settled by an insurance provider against the total claims received.
Roadside Assistance (RSA)
An add-on service that provides help in case of breakdowns, flat tires, or battery failure.
Grace Period
The additional period after policy expiry during which the policyholder can renew their insurance without losing benefits.
FAQs about Personal Accident Cover in Motor Insurance
Questions you may have about Zurich Kotak General Insurance
Yes, as per Indian motor laws, every owner-driver must have a PA cover of at least ₹15 lakh.
Yes, Zurich Kotak General Insurance offers a PA cover for hired drivers under employer-sponsored policies.
Yes, in case of accidental death, the nominee receives 100% compensation under personal accident cover.
The standard sum insured under Compulsory PA cover is ₹15 lakh, but higher coverage options are available.