A bike insurance policy provides coverage for your two-wheeler against various potential risks. It offers financial protection in case of third-party liabilities, your bike gets stolen or damaged in an accident, or personal injury. Purchasing basic third-party bike insurance is mandatory in India; it offers coverage against damages to third-party property or disability or death of a third party.
There is also personal accident cover for owner-riders that offers coverage against damages, injuries, or death caused by an accident. In short, there are several affordable or cheap bike insurance coverages available to ensure safety while riding a two-wheeler.
However, have you ever considered protection for the pillion rider? How will you provide insurance coverage for the passenger in case of a mishap or accident while riding a bike? You can provide coverage for your co-passenger on the bike by getting passenger coverage along with your bike insurance policy.
Continue reading to learn more about passenger cover in two-wheeler insurance.
Understanding What is Passenger Cover
A passenger or pillion cover is an add-on you can buy to provide coverage for the individual sitting with you on the bike. In the unfortunate case of a death or an accident caused by a mishap or accident, it is covered under bike insurance passenger cover.
Passenger cover is an integral component of bike insurance that provides essential financial protection for passengers travelling on insured bikes.
This is an add-on cover. You can get pillion coverage by paying an extra premium along with your standard bike insurance policy.
Key Features of Motorcycle Pillion Cover
Below are some key features of the passenger cover that you should be aware of. Let’s examine them in detail.
- It can be purchased with comprehensive bike insurance and standalone own-damage insurance by paying an additional premium.
- A passenger add-on cover provides coverage for permanent disability, partial disability or death of the pillion rider.
- With this add-on cover, your insurance provider will provide coverage for the pillion, eliminating your liability to compensate the pillion for injuries caused while riding a bike.
Who Should Opt for a Motorcycle Insurance Pillion Cover
It is essential for every individual when it is a matter of life. It is advisable for every two-wheeler owner to buy this add-on cover to protect their pillion riders against death or injuries caused by a mishap or an accident. However, passenger cover is especially important for the following two-wheeler owners:
- Individuals that reside in accident-prone areas.
- Individuals who enjoy riding a bike long-distance with a pillion.
- Individuals who regularly ride bikes with pillions.
Importance of Purchasing Motorbike Insurance Pillion Cover
In case of an accident that results in disability or injury caused to the pillion, you are responsible for paying the expenses. Therefore, purchasing a pillion add-on cover when you get insurance for a bike can provide you with enhanced financial protection and coverage for yourself and the passenger.
Below mentioned are some benefits of purchasing a passenger cover with your bike insurance policy.
- This add-on cover will cover the treatment expenses in case the passenger is hospitalised due to an accident.
- In case the passenger suffers a disability or dies due to an accident, this add-on cover will provide financial aid to the family of the passenger.
- This add-on cover will offer you peace of mind and reduce your stress. You will be assured of the protection of the passenger in case of any injuries due to an accident with the insured two-wheeler.
To Wrap It Up
Owning and riding a two-wheeler is very easy in today’s world. However, you should not underestimate the importance of ensuring the safety of the passenger riding with you on the bike. As the rider of the bike, you will be responsible in case of an accident or mishap while riding a bike with a passenger.
You can protect your co-passenger on a two-wheeler with motorcycle insurance pillion cover. Therefore, you should consider purchasing passenger coverage with your bike insurance policy, ensuring your peace of mind while riding a bike.
