{"id":12256,"date":"2026-08-21T16:57:08","date_gmt":"2026-08-21T11:27:08","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=12256"},"modified":"2026-08-21T16:57:11","modified_gmt":"2026-08-21T11:27:11","slug":"what-is-personal-accident-cover-in-bike-insurance","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/","title":{"rendered":"What Is\u00a0Personal Accident Cover\u00a0In\u00a0Bike Insurance?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Key Takeaways<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal accident cover in bike insurance is a mandatory, low-cost\u00a0component\u00a0that protects the owner-rider specifically, not the vehicle.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understanding what this cover\u00a0actually pays\u00a0for helps you avoid assuming it replaces repair costs or protects your pillion rider automatically.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Factors like riding time versus off-bike time show why this cover falls far short of round-the-clock protection.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Knowing who is and is not covered helps you decide whether friends, family or regular pillion riders need separate protection.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comparing this bundled cover against a standalone accident policy helps you see where the real gaps in your daily protection lie.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most riders do not know about a gap in their two-wheeler policy: the rider is protected only by a separate, mandatory&nbsp;component, and that&nbsp;component&nbsp;covers far less than most people assume. This guide explains what this cover means for your two-wheeler policy, what it pays for, who it protects, and where its coverage stops.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#What_Is_PA_Cover_in_Bike_Insurance\" >What Is&nbsp;PA Cover in Bike Insurance?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Is_Personal_Accident_Cover_Mandatory_for_Bike_Insurance\" >Is Personal Accident Cover Mandatory for Bike Insurance?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#What_Does_This_Cover_Actually_Pay\" >What Does This Cover Actually Pay?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Who_Is_Covered_and_Who_Is_Not\" >Who Is Covered and Who Is Not?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Cover_for_Your_Pillion_Rider\" >Cover for Your Pillion Rider&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#What_Personal_Accident_Cover_in_Bike_Insurance_Does_NOT_Do\" >What&nbsp;Personal Accident Cover in Bike Insurance&nbsp;Does NOT Do&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Do_You_Still_Need_a_Standalone_Personal_Accident_Policy\" >Do You Still Need a Standalone Personal Accident Policy?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#FAQs_on_Personal_Accident_Cover_in_Bike_Insurance\" >FAQs on&nbsp;Personal Accident Cover in Bike Insurance&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Is_PA_cover_mandatory_for_bike_insurance\" >Is PA cover mandatory for bike insurance?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Can_I_remove_personal_accident_cover_from_my_bike_insurance_policy\" >Can I remove personal accident cover from my bike insurance policy?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Is_the_pillion_rider_covered_under_PA_cover\" >Is the pillion rider covered under PA cover?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#What_is_the_sum_insured_under_PA_cover_in_two-wheeler_insurance\" >What is the sum insured under PA cover in two-wheeler insurance?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Do_I_need_PA_cover_for_each_bike_I_own\" >Do I need PA cover for each bike I own?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/#Does_PA_cover_pay_for_bike_repair_after_an_accident\" >Does PA cover pay for bike repair after an accident?&nbsp;&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_PA_Cover_in_Bike_Insurance\"><\/span>What Is&nbsp;PA Cover in Bike Insurance?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PA cover, or personal accident cover, is the part of a two-wheeler insurance policy that pays the owner-rider or their nominee a fixed sum if an accident involving the insured bike causes death or permanent disability. It is separate from the cover for damage to the bike and from third-party liability. It is mandatory for the owner-rider, and the&nbsp;minimum&nbsp;sum insured is Rs. 15&nbsp;lakh. This cover sits inside the wider motor insurance&nbsp;framework, and&nbsp;understanding&nbsp;<strong><em>what motor insurance covers across vehicle types<\/em><\/strong>&nbsp;helps place this specific&nbsp;component&nbsp;in context.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Personal_Accident_Cover_Mandatory_for_Bike_Insurance\"><\/span>Is Personal Accident Cover Mandatory for Bike Insurance?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, personal accident cover is mandatory for the owner-rider of an insured two-wheeler in India. This is one of the first questions riders ask, so&nbsp;here&#8217;s&nbsp;the short answer before the details.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The mandatory\u00a0minimum\u00a0sum insured for the owner-rider is Rs. 15\u00a0lakh.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The one legitimate exemption is when the rider already holds a valid standalone personal accident policy of at least the mandated amount and can\u00a0furnish\u00a0proof at the time of buying the bike policy.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you already hold a standalone accident policy, you can request an exemption from this\u00a0component, which can lower the premium slightly, though most riders choose to keep both for the broader protection a standalone policy offers.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Does_This_Cover_Actually_Pay\"><\/span>What Does This Cover Actually Pay?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before assuming&nbsp;what&nbsp;this cover includes, it helps to see exactly what each type of event pays out, since expectations and policy reality diverge most right here.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Event<\/strong>&nbsp;<\/td><td><strong>What Is Payable<\/strong>&nbsp;<\/td><td><strong>Notes<\/strong>&nbsp;<\/td><\/tr><tr><td>Accidental death&nbsp;<\/td><td>Full sum insured&nbsp;<\/td><td>Paid to the nominee&nbsp;<\/td><\/tr><tr><td>Permanent total disablement&nbsp;<\/td><td>Full or near-full sum insured&nbsp;<\/td><td>Based on the disablement definition in the policy&nbsp;<\/td><\/tr><tr><td>Permanent partial disablement&nbsp;<\/td><td>A percentage of sum insured&nbsp;<\/td><td>Percentage varies by insurer, check the policy schedule&nbsp;<\/td><\/tr><tr><td>Injury with no permanent disablement&nbsp;<\/td><td>Not payable under PA cover&nbsp;<\/td><td>May be covered separately if a medical expenses add-on is held&nbsp;<\/td><\/tr><tr><td>Damage to the bike&nbsp;<\/td><td>Not payable under PA cover&nbsp;<\/td><td>Covered instead under own damage cover, a separate&nbsp;component&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Is_Covered_and_Who_Is_Not\"><\/span>Who Is Covered and Who Is Not?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The gap between what riders assume and what the policy&nbsp;actually protects&nbsp;is widest here, so it is worth&nbsp;stating&nbsp;plainly.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Covered<\/strong>: the registered owner-rider, while riding, mounting, or dismounting the insured bike.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Not covered by default<\/strong>: the pillion rider, family members, a friend borrowing the bike, and any accident that does not involve the insured vehicle at all.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This means a friend who borrows your bike and gets into an accident is not protected by your PA cover, and neither is an accident that happens to you while driving someone else&#8217;s vehicle.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cover_for_Your_Pillion_Rider\"><\/span>Cover for Your Pillion Rider&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The pillion rider is not covered under the base PA cover. They need a separate add-on for protection. This add-on costs little compared to the base policy premium.&nbsp;So&nbsp;if you often ride with someone else, whether a spouse, a friend, or a colleague, you should add this cover instead of assuming the base policy already protects them.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Personal_Accident_Cover_in_Bike_Insurance_Does_NOT_Do\"><\/span>What&nbsp;Personal Accident Cover in Bike Insurance&nbsp;Does NOT Do&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It is worth being direct about the limits of this cover before you rely on it as your only protection. This&nbsp;component&nbsp;is not active around the clock. Unlike a standalone policy, it applies only while you are riding,&nbsp;mounting&nbsp;or dismounting the insured bike. This gap is a large part of&nbsp;<strong><em>why accident insurance matters for working Indians<\/em><\/strong>&nbsp;who commute daily but are only protected during a fraction of their actual risk exposure.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_You_Still_Need_a_Standalone_Personal_Accident_Policy\"><\/span>Do You Still Need a Standalone Personal Accident Policy?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Given how narrow the motor-linked cover is, most riders&nbsp;benefit&nbsp;from a standalone policy on top. Knowing&nbsp;<strong><em>what accidental insurance covers<\/em><\/strong>&nbsp;beyond the bike policy makes it clear why relying only on the bundled&nbsp;component&nbsp;leaves large parts of your daily risk unprotected, since a fall at home or an accident while walking gets no cover at all from your bike policy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Personal accident cover in bike insurance&nbsp;is mandatory, cheap, and covers far less than most riders assume. It protects only the owner-rider, only while on the insured bike, and pays nothing towards repairing the vehicle itself. Get 24&#215;7 accident cover from&nbsp;<strong><em>FatakPay&nbsp;Kavach accident insurance<\/em><\/strong>&nbsp;from&nbsp;FatakSecure&nbsp;in minutes, fully digital, with no medical test.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Personal_Accident_Cover_in_Bike_Insurance\"><\/span>FAQs on&nbsp;Personal Accident Cover in Bike Insurance&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_PA_cover_mandatory_for_bike_insurance\"><\/span>Is PA cover mandatory for bike insurance?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, it is mandatory for the owner-rider of an insured two-wheeler, with a minimum sum insured of Rs. 15&nbsp;lakh, unless a valid exemption applies.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_remove_personal_accident_cover_from_my_bike_insurance_policy\"><\/span>Can I remove personal accident cover from my bike insurance policy?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Only if you already hold a standalone personal accident policy of at least the mandated amount and can provide proof of it at purchase.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_the_pillion_rider_covered_under_PA_cover\"><\/span>Is the pillion rider covered under PA cover?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, the pillion rider is not covered under the base&nbsp;component&nbsp;and needs a separate, inexpensive add-on for protection.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_sum_insured_under_PA_cover_in_two-wheeler_insurance\"><\/span>What is the sum insured under PA cover in two-wheeler insurance?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The mandatory&nbsp;minimum&nbsp;sum insured for the owner-rider is Rs. 15&nbsp;lakh, though this figure can vary based on regulatory updates.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_I_need_PA_cover_for_each_bike_I_own\"><\/span>Do I need PA cover for each bike I own?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Each insured bike carries its own PA cover for the owner-rider, though the exemption route is available if you hold a qualifying standalone policy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_PA_cover_pay_for_bike_repair_after_an_accident\"><\/span>Does PA cover pay for bike repair after an accident?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, PA cover pays only for death or disablement of the owner-rider; repair costs are covered separately under own damage cover.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{ \n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Home\", \n    \"item\": \"https:\/\/www.fatakpay.com\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Insurance\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/insurance\/\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 4, \n    \"name\": \"What Is Personal Accident Cover In Bike Insurance?\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/\" \n  }] \n} \n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\", \n  \"@type\": \"BlogPosting\", \n  \"mainEntityOfPage\": { \n    \"@type\": \"WebPage\", \n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-personal-accident-cover-in-bike-insurance\/\" \n  }, \n  \"headline\": \"Personal Accident Cover in Bike Insurance Explained\", \n  \"description\": \"Learn what personal accident cover in bike insurance means, what it pays for, who it protects, and where its coverage stops for two-wheeler riders in India.\", \n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n  \"author\": { \n    \"@type\": \"Organization\", \n    \"name\": \"FatakPay\", \n    \"url\": \"https:\/\/www.fatakpay.com\" \n  }, \n  \"publisher\": { \n    \"@type\": \"Organization\", \n    \"name\": \"FatakPay\", \n    \"logo\": { \n      \"@type\": \"ImageObject\", \n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n    } \n  }, \n  \"datePublished\": \"2026-08-21\", \n  \"dateModified\": \"2026-08-21\" \n} \n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\", \n  \"@type\": \"FAQPage\", \n  \"mainEntity\": [{ \n    \"@type\": \"Question\", \n    \"name\": \"Is PA cover mandatory for bike insurance?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"Yes, it is mandatory for the owner-rider of an insured two-wheeler, with a minimum sum insured of Rs. 15 lakh, unless a valid exemption applies.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"Can I remove personal accident cover from my bike insurance policy?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"Only if you already hold a standalone personal accident policy of at least the mandated amount and can provide proof of it at purchase.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"Is the pillion rider covered under PA cover?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"No, the pillion rider is not covered under the base component and needs a separate, inexpensive add-on for protection.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"What is the sum insured under PA cover in two-wheeler insurance?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"The mandatory minimum sum insured for the owner-rider is Rs. 15 lakh, though this figure can vary based on regulatory updates.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"Do I need PA cover for each bike I own?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"Each insured bike carries its own PA cover for the owner-rider, though the exemption route is available if you hold a qualifying standalone policy.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"Does PA cover pay for bike repair after an accident?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"No, PA cover pays only for death or disablement of the owner-rider; repair costs are covered separately under own damage cover.\" \n    } \n  }] \n} \n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways&nbsp; Most riders do not know about a gap in their two-wheeler policy: the rider is protected only by a separate, mandatory&nbsp;component, and that&nbsp;component&nbsp;covers far less than most people assume. This guide explains what this cover means for your two-wheeler policy, what it pays for, who it protects, and where its coverage stops.&nbsp; What<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[696],"tags":[],"class_list":["post-12256","post","type-post","status-publish","format-standard","category-insurance"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12256","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=12256"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12256\/revisions"}],"predecessor-version":[{"id":12257,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12256\/revisions\/12257"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=12256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=12256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=12256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}