Passenger Assist Add-On Cover in Car Insurance
As per the information of the Ministry of Road Transport and Highways, India reported a loss of 1,68,491 lives in 2022 due to road accidents, including the death of passengers. These numbers are quite enough to understand the need for a passenger assist add-on in car insurance, along with personal accident cover.
Passenger Assistance Add-on Covers help to take care of your passengers in case of an accident. This add-on cover in car insurance provides financial assistance against medical expenses, along with emergency support. It is a smart way to make every car ride safer for everyone.
This blog explains what is Passenger Assist in car insurance and how it works.
What is Passenger Assist Add-On Cover in Car Insurance?
Passenger Assist Add-On Cover in car insurance is an optional add-on that provides financial protection to the passengers in your vehicle in case of an accident. The normal car insurance policies do not include coverage for passengers. However, with this add-on, the insurer offers compensation for medical expenses, accidental injuries, or even the death of the passengers during a mishap.
Whether you're driving a private or commercial vehicle, this cover ensures that everyone in the car is safeguarded against unforeseen events.
Why is Passenger Assistance Add-on Cover Important?
This add-on cover is a safeguard for the passengers sitting in the car. It will help to provide financial support to the passengers. Some of the other benefits are as follows:
- Medical Expense Coverage: It covers treatment costs for injured passengers after an accident.
- Legal Protection: It minimizes legal issues, usually for commercial passenger vehicles.
- Disability Compensation: It offers coverage for temporary or permanent passenger disabilities.
- Peace of Mind: It helps to be stress-free by covering unexpected medical costs from accidental injuries.
- Enhanced Protection: With this add-on, you will not only get financial protection for any risk related to yourself, your insured car, but passenger sitting in the backseat as well.
- Reduced Financial Burden: Helps manage expenses for both passenger damage and death.
Who Should Buy Passenger Assistance Add-on Covers?
Passenger assistance add-on cover is suitable for people looking for the safety of people other than the driver. Any person with a private or commercial car can buy this add-on cover for better protection for the passengers in case of temporary or permanent injury, or even in case of death.
Inclusions of Passenger Assistance Add-on Covers
Some of the general inclusions of this add-on cover in car insurance are as follows:
- Expenses for the medical treatment of passengers after an unexpected accident.
- Compensation for passengers in case of temporary or permanent disability.
- It covers 1 to 3 passengers, based on the car’s seating capacity.
- Financial assistance to the passenger’s family in case of death.
Note: It offers coverage of up to ?2 lakh in case of any injury or death caused due to passengers.
Exclusions of Passenger Assistance Add-on Covers
Some of the major exclusions of passenger assistance add-on cover are as follows:
- Accidents occurring under the influence of alcohol or drugs.
- Injuries from attempted suicide are excluded.
- Accident due to illegal driving (with no driving license).
- Using a private vehicle as a commercial one leads to accidents.
Factors that Affect the Cost of Passenger Cover Add-on Cover
The cost involved in purchasing passenger assist cover can vary depending on any of the following factors:
- Number of Passengers Covered: The premium depends on how many passengers are insured. More passengers mean a higher cost, based on the car’s seating capacity.
- Insurance Company: Different insurers may offer different rates, so it’s wise to compare prices before choosing one.
- Type of Vehicle: Premiums can also vary depending on the type of vehicle.
- Add-On Features: If you include extra add-ons with your policy (like roadside assistance or hospital cash), the total premium might increase.
- Coverage Amount: Higher coverage limits lead to higher premiums, as you want more protection per person.
Personal Accident Cover – Compensation Table
| Types of Injury | Compensation |
|---|---|
| Accidental Death | 100% of the insured amount |
| Loss of both limbs, both eyes, or one limb and one eye | 100% of the insured amount |
| Loss of one limb or sight in one eye | 50% of the insured amount |
| Permanent total disability (not covered in the above conditions) | 100% of the insured amount |
How to File a Passenger Assistance Add-on Covers Claim?
If you want to file a passenger assistance add-on covers claim, here are the right steps to follow:
- Notify the Insurer: Report the insurer about the accident and the number of passengers involved.
- File an FIR: Register the incident at the nearest police station.
- Submit a Claim: File a formal claim with your insurer for an investigation of the incident.
- Use Online Option: It is better to file the claim online to avoid any hassle.
Conclusion
The Passenger Assist Add-On Cover is a useful addition to your car insurance that protects your passengers in case of an accident. It covers medical expenses, disability, and even death, offering peace of mind for a little extra cost. Whether you drive a private or commercial vehicle, this add-on helps you stay prepared for emergencies and avoid legal or financial stress.
It's a smart and simple way to ensure safety and coverage for everyone in your car. So, if you are looking forward to buying a car insurance and a passenger assist cover, here we are to help you. Feel free to contact our customer care number!
Passenger Assist in car insurance is an add-on cover that protects passengers in your vehicle by covering medical expenses, disability, or death due to an accident.
Yes, this add-on is available for both private and commercial vehicles. Whether you use your car for personal use or run a taxi or cab service, you can add this cover to your insurance policy.
It usually covers 1 to 3 passengers, depending on your car’s seating capacity.
Inform your insurer, file an FIR, gather details, and submit a claim online if possible for ease.
This add-on coverage excludes accidents due to drunk driving or injuries from attempted suicide.
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