Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies


Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies




Why this insurance

Why this insurance?

Personal accident cover for vehicle owners is mandatory as per insurance regulations. Under this cover, all vehicle owner-drivers will be eligible for insurance benefits for death and permanent complete disability.

Key Benefits

Coverage up to Rs. 15 Lakhs
Policy cover available for 1 year
Renew policy anytime, anywhere with Insta Renew.
Single policy to cover all vehicles owned by insured
Compulsory Personal Accident Insurance Coverage

Compulsory Personal Accident Insurance - Basic Coverage

  1. The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar months of such injury result in:


            Nature of injury                                                       

    Scale of compensation

    (i) Death


    (ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye.


    (iii) Loss of one limb or sight of one eye


    (iv) Permanent total disablement from injuries other than named above.



    Provided always that

    • Compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs…………lakhs (As per Policy schedule) during any one period of insurance.
    • No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to (1) intentional self-injury suicide or attempted suicide physical defect or infirmity or (2) an accident happening whilst such person is under the influence of intoxicating liquor or drugs.
    • Such compensation shall be payable directly to the insured or to his/her legal representatives whose receipt shall be the full discharge in respect of the injury to the insured.
    • This cover is subject to:
      • The owner-driver is registered owner of the vehicle insured herein.
      • The owner-driver is the insured named in this policy
      • The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident
List of things not covered under Compulsory Personal Accident insurance policy –


Death or injury directly or indirectly, wholly or in part arising or resulting from or traceable to

  • Intentional self-injury, suicide or attempted suicide, physical defect or infirmity and / or
  • An accident happening whilst such person is under the influence of intoxicating liquor or drugs.
Compulsory PA cover FAQ


Questions about Standalone CPA (Owner-Driver) Policy? Get your answers here.


Pa cover car terms& condition

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.

UIN No - IRDAN102RP0018V01201819
CPA Policy