According to the Motor Vehicles Act 1988, a motor insurance policy is mandatory for all vehicles registered in the country. Any unforeseen and unforeseen events such as accident, loss or theft can be insured using a two-wheeler insurance policy. However, whenever we think of bike insurance, we assume that only the vehicle owner / driver and the insurance company are involved in bike insurance. However, there is another person to keep in mind when thinking about safety and security. That person is a pillion rider. Let us understand the coverage of bike insurance and how the pillion rider fits into it:

Mandatory coverage

When it comes to 2wheeler insurance coverage, two types of coverage are mandatory. These are:

  • Third-party bike insurance

Third-party two-wheeler insurance plans focus on the other person for most of their coverage. This person is called a third party and is the person involved in the accident.This type of coverage serves as compensation for any injury or damage to third parties or their property. In addition, any legal liability arising out of such accident will also be covered by your insurance company under this coverage.

  • Personal accident insurance

Another type of coverage that is mandatory along with third-party insurance plans is personal accident cover for the bike owner or rider. This includes coverage for any event of accidental death or disability, which may be permanent or temporary. If you have more than one bike, you should only buy this policy once and not every time. However, this coverage only applies to bike riders.

Even after having these two coverages, there is nothing to cover your pillion rider in the event of an accident. In the event of an accident, personal accident insurance will cover your injuries. Third party insurance applies to the owner / driver of another vehicle involved in an accident. However, the pillion rider is left without protection. The best way to ensure coverage for a pillion rider is to purchase a comprehensive policy and purchase add-on coverage for them. If you already have a policy, you can buy the add-on at the time of bike insurance renewal.

Understanding Pillion Rider Cover

As you read above, the person sitting at the back of the bike is not automatically covered under the basic insurance coverage. So, in order to get pillion rider coverage, you need to purchase a comprehensive policy and purchase an add-on that offers the required benefits. The Pillion Rider add-on is an optional cover, but it’s a good idea if you travel frequently with a pillion rider. For example, a road trip plan with a rider in the back seat requires add-ons for countless things that can go wrong.

In the event of any accidental injury to the pillion rider, the add-on cover will reduce your financial liability. Also, when someone on the bike behind you suffers from a disability, partial or permanent or dies due to an accident, the insurance company will offer monetary compensation.

* Standard T&C Apply

Those in the back are often at greater risk because most of them do not wear any safety gear. So, the next time you buy a policy or renew your two-wheeler insurance, make sure you include the Pillion Rider cover in your comprehensive plan. As it is an add-on, it will increase your bike insurance price. However, it is definitely worth the extra price you would pay.Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.