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Bike Insurance 1948 views April 2, 2020
Two-wheeler insurance refers to an insurance policy which is taken to cover your scooter or bike against any damages caused due to some unforeseen event such as road accidents or theft/loss of the motor vehicle. It also provides protection against any third-party liabilities arising from injuries to other individuals due to the accident. Two-wheeler insurance is mandatory in India. Hence, in order to drive your car, you are mandatorily required to take third- party insurance as well as personal accident insurance for owner or rider of the two-wheeler. The two mandatory covers are discussed below.
Therefore, if you want to increase the scope of your coverage to cover damages and also personal accident cover for co-passenger of the two-wheeler, you can opt for Comprehensive Insurance policy.
Comprehensive Insurance Policy– In order to protect your two wheeler completely, you can opt for a comprehensive two wheeler insurance policy. Comprehensive two wheeler insurance policy provides complete financial security and protection against third party liability, personal accident cover for owner or driver of the two wheeler as well as damages caused to your two-wheeler due to an accident. You also don’t have to worry if your two-wheeler gets stolen, as a comprehensive insurance policy also covers theft of two-wheeler and provides benefit for any of above incidents. There are also various add-ons or riders or extra coverage options available on comprehensive insurance coverage which can be availed by you according to your needs. One such rider is Pillion Protection Rider.
Table of Contents
Pillion is the person who sits behind you in a two-wheeler/ bike. Pillion rider is not automatically covered in the mandatory third party or personal accident insurance. There is no cover for pillion rider in third-party insurance or comprehensive policy. Hence, to avail the coverage of pillion rider as well, you can buy this add-on rider with your comprehensive insurance policy by paying an additional premium towards your insurance policy.
Conclusion
Pillion riders are always at a greater risk than the driver in a two-wheeler. This is because they do not wear protective gear while riding and were not even covered under motor insurance. Two-Wheeler Insurance with Pillion Protection Rider is optional. If you generally have a pillion rider with you when you drive your two-wheeler, you should opt for two-wheeler insurance cover and buy an add-on pillion rider cover to provide coverage for the pillion rider as well. In case of any incident, the damages will be paid by the two wheeler insurance company. Hence, if a pillion rider faces accidental contingencies, the rider will help compensate for the financial loss.