Should You Get Accident Cover in Bike Insurance?

Nov 8, 2019 2 min read
Should You Get Accident Cover in Bike Insurance?

Congested roads, poor enforcement of traffic rules and over-speeding vehicles expose riders to a lot of danger on Indian roads. Hence, it becomes important for two-wheeler riders to have sufficient accident cover in their insurance policy.

India is the largest consumer of two-wheeler vehicles in the world. That being said, India is also the home to one of the most dangerous riding conditions. It is also true that being a two wheeler rider is risky in India since 1,47,913 people lost their lives in road accidents in 2017 alone. These numbers are one of the highest in the world.

Personal accident cover provides compensation to the insured person or their relatives in case of death or injuries caused due to an accident. Usually, insurers cover riders below the age of 65 years with a maximum compensation amount of 1,00,000 INR.

Why is Personal Accident Cover Important in Bike Insurance?

Here are a few major reasons why accident cover is a must for a two-wheeler insurance policy.

Accidental Death Benefit

Life is unpredictable and when we factor in the dangerous traffic of Indian roads, it becomes extremely important to have a risk cover. Premature demise might not heal the loss of the loved ones but some financial help can certainly go a long way in assisting family members who are dependent on their income.

Accidental death benefit compensates 100 percent of the total sum insured to the nominated dependents of the deceased. However, the rider should be holding a valid driving license to be eligible for this benefit.

Disability Compensation

Injuries caused due to accidents can also lead to permanent disability and could severely impact one's ability to work . Reduced capability to earn income can cause financial distress. Personal accident cover offers up to 100 percent compensation to the insured person in case of a permanent disability caused due to road accident. You are also liable to get compensation in the event of partial or temporary disability as per the terms of your insurance policy.

Hospitalisation Cash  Benefits

In case someone is hospitalised after a road accident, he or she can avail daily cash benefits for a maximum period of 50 days as per the terms of the insurance policy.

Roadside Assistance

Now insurance companies also offer round the clock roadside assistance to make sure riders get all the help they need in case of an accident. From medical help to towing of the vehicle, everything is covered in the insurance policy.


Here are a few conditions in which one is not eligible for an accidental claim.

  1. An accident caused under the influence of alcohol or other prohibited drugs.
  2. Death or injury caused due to negligence of traffic rules.
  3. An accident caused due to any deliberate act to siphon off the claim.

Great! Next, complete checkout for full access to CarInfo.
Welcome back! You've successfully signed in.
You've successfully subscribed to CarInfo.
Success! Your account is fully activated, you now have access to all content.
Success! Your billing info has been updated.
Your billing was not updated.