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Separate PA cover while buying vehicle insurance

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16 Jan, 2023 by  Chethan S

In my family, we have a two-wheeler and a four-wheeler. The 2W is owned by my father and the 4W by me. My understanding is the PA cover bought along with 4W insurance covers me only when driving the car. As I also drive the 2W, would buying a PA cover such as this one cover me for both 2W and 4W? Or is it limited to the owner only?

If the HDFC ERGO one covers me for both vehicles, I could avoid buying the cover with my 4W insurance.

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Accident Insurance
Basics of Insurance

1 Answer

17 Jan, 2023
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IRDA has mandated a CPA (Compulsory Personal Accident) along with the vehicle insurance for the owner driver of the vehicle. It can be a bundled cover along with the vehicle insurance or a stand alone. If you own multiple vehicles, it is sufficient to take only a single stand alone CPA or a stand alone PA (which covers accidental death and permanent disability) for a minimum SI of 15 lakhs. It is limited to the owner only. Link to the guideline:

But in your case, the vehicles are owned by 2 different people (one by you and one by your father). So, both of you have to take the CPA cover bundled with the respective vehicle insurance or take stand alone PA policies individually unless the owner of the vehicle doesn't have a valid driving license.

Thank you

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