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What is a Passenger Cover Add-On in Car Insurance?
Passenger cover provides protection to the passenger who are travelling in the insured vehicle. Comprehensive Car Insurance provides Personal Accident coverage to the owner-driver of the insured vehicle.
Owner-driver is the person who owns the vehicle and drives it for their personal use. The coverage will provide compensation to them in case of accidental death or disability. Likewise, a Passenger add-on cover will provide coverage for the other passengers in the car in case of accidents.
When it comes to Car Insurance, most people prefer Third-Party Liability Cover or Comprehensive Car Insurance for complete protection. When opting for comprehensive insurance, the owner-driver of the insured vehicle will have Personal Accident coverage. In case of accidents or disabilities, the owner-driver will be financially covered.
However, other people like our friends and family who travel with us are at a higher risk because Personal Accident Cover does not cover them. In such a case, the Passenger add-on cover will cover your family and friends while travelling in the car, and they will be covered.
Passenger Cover will protect you financial and the add-on cover will compensate for any medical treatments, temporary or permanent disability and accidental death. The add-on cover aims to provide protection for the passengers who travel in the car.
Shriram Passenger Cover Add-On
Passenger add-on cover provides coverage for the following.
- What is Covered?
- What is not Covered?
Provides coverage for medical costs due to accidents.
Provides compensation in case of accidental death of the passengers travelling in the car.
Provides disability cover if disability occurs while travelling in the car.
The compensation will not be in case of intentional self-suicide or attempted suicide, physical defect or infirmity.
If the accident occurs when the person is under the influence of alcohol or drugs, compensation will not be provided.
Features of Passenger Cover Add-On in Car Insurance
A car driver is responsible for driving safely and ensuring the passengers are safely dropped off at their destination. Whether it is friends, family, or strangers who may board your car, the safety of the passengers is the car driver’s responsibility.
Accidents while driving on roads can be common. However, owner-driver Personal Accident Insurance will financially protect the driver of the car and compensation will be provided based on the type or injury. So, the Passenger Cover add-on will be beneficial in protecting the family and friends travelling with you. The features and importance of Passenger Cover add-on are briefed below.
The Passenger Cover interests people other than the car's owner/driver. The Passenger Cover add-on will take care of the cost of medical treatment, disability, and financial assistance. The add-on cover reduces the financial burden of medical bills, and compensation is provided in case of the accidental death of the passenger.
How does the Passenger Cover add-on work?
The Passenger Cover add-on will provide financial and medical assistance to the co-passengers that are travelling along with the owner-driver of the insured vehicle. Compulsory Personal Accident cover from Comprehensive Car Insurance will provide coverage to the owner-driver. However, it will not cover other passengers travelling with the drivers.
In such a case, the Passenger Cover add-on will play a significant role and can provide financial protection to the passengers who travel along with the drivers. It helps with medical compensation, and in case of accidental death while travelling in the car, 100% compensation will be provided.
The compensation for the accidental death of the passenger travelling in the car will be provided to the nominees. The Passenger add-on cover will provide protection to other people travelling in the car. The cover will give you the assurance that other people travelling with you in the car are financially protected.
Scale of Compensation offered under a Passenger Add-on Cover
The scale of compensation for Passenger Add-on cover is listed below.
| Nature of Injury | Compensation |
|---|---|
| Death | 100% |
| Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% |
| Loss of one limb or sight of one eye | 50% |
| Permanent Total Disablement from injuries other than those named above | 100% |
Passenger Cover Add-On Car Insurance Claim Procedure
Claim for the Passenger Cover add-on is very easy. Shriram General Insurance has a user-friendly system where policyholders can initiate a claim easily. The steps to initiate a claim are listed below.
- Step 1
- Step 2
- Step 3
- Visit the website (https://www.shriramgi.com/) or the MySGI app.
- Submit all the required documents, such as medical reports, medical bills, and other required certificates.
- After validating all the submitted documents, the claims will be settled.
Documents required for filing a car insurance claim online
The required documents while filing your Passenger Cover add-on are listed below.
- Death certificate
- Disability certificate from the doctor
- Post-mortem report
- Insurance copy (Optional)
- Claim form duly filled and signed
- Medical Bills, payment receipt and discharge Voucher
- Signature ID proof (Insured)
- Customer's bank details with a cancelled cheque
- FIR copy
- Medical certificate
- Medicine bills
- Discharge summary, if hospitalised
- Investigation report
Who Should Buy Passenger Cover Add-On Cover?
It is suggested for all car owners to purchase a Passenger Cover add-on to ensure the safety of other people travelling with them in the car. However, it is important that these people have a Passenger Cover add-on to ensure the safety of others travelling.
Private Vehicle Owners
Private car owners usually have compulsory personal accident coverage, which provides financial protection in case of accidents. However, if family and friends often accompany you in the car, it is recommended that you purchase a Passenger Cover add-on.
Commercial Vehicle Owners
Commercial vehicle owners, such as cab drivers and pool car owners, are suggested to get a Passenger Cover add-on to protect the passengers travelling with them. This will ensure that they get proper compensation in case of accidental death or disability.
Benefits of Purchasing Passenger Cover Add-On in Car Insurance
Getting a Passenger Cover add-on for every owner-driver of the car is important to ensure the safety of the other people travelling with the driver. Accidents can happen even if you follow all the traffic rules due to the carelessness of other drivers. Here are some of the benefits of the Passenger Cover add-on.
- Provides financial assistance in case the passenger expires in the accident.
- In case of accidents, provides financial assistance for medical treatment.
- Passenger Cover add-on provides disability compensation to the passengers in case of accidents.
Top reasons to Choose SGI for purchasing Passenger Cover add-on
Shriram General Insurance provides Passenger add-on cover and other insurance policies at affordable rates. Purchasing a Passenger Cover add-on is very easy, and owing to our user-friendly platform, customers can easily purchase the policy online.
Shriram Car Insurance in Major Cities in India
Delhi
Chennai
Mumbai
Ahmedabad
Gurgaon
Bangalore
Agra
Bhopal
Pune
Indore
Jaipur
Dehradun
Shriram Car Insurance for Popular Car Brands
Road Tax by States
- Road Tax for Delhi - 4-12.50%
- Road Tax for Tamil Nadu - 12-20%
- Road Tax for Haryana - 4-10%
- Road Tax for Maharashtra - 7-14%
- Road Tax for AP - 12-14%
- Road Tax for Kerala - 7-17%
- Road Tax for Karnataka - 13-18%
- Road Tax for Punjab - 6-8%
- Road Tax for Gujarat - 6%
- Road Tax for Rajasthan - 5-10%
- Road Tax for Uttarakhand - 4-5%
- Road Tax for Uttar Pradesh - 7%
Frequently Asked Questions
Is Comprehensive Car Insurance mandatory?
No, Comprehensive Car Insurance is not mandatory. However, Third-Party Car Insurance is mandatory by law.
Can I covert Third-Party Car Insurance to Comprehensive Car Insurance?
Your Motor Insurance policy cover remains in force for 12 months from the date of commencement (or as otherwise shown on your policy schedule)
What are the coverages provided in Comprehensive Car Insurance?
Yes. Please use an online premium calculator for an estimate. The cost of your Shriram Car Insurance depends on factors like your car's make, model, year, Insured Declared Value (IDV), type of insurance, and any additional features you select. These factors are considered to determine your car insurance premium.
