Bike Personal Accident Cover: Section 147 MV Act Detailed Guide 2026
What Is Personal Accident Cover
Personal Accident Cover is an optional cover you stack on top of a comprehensive two-wheeler policy. It plugs gaps that a standard own-damage cover leaves open.
Without this add-on, your provider applies depreciation, exclusions, or sub-limits that can leave you with thousands of rupees out of pocket. With it, your effective claim payout rises sharply for a tiny premium addition.
What This Add-On Covers
- Rs 15 lakh base cover for accidental death of owner-rider
- Permanent total disability lump-sum
- Permanent partial disability lump-sum
- Hospital cash for ICU days
- Loss of income during recovery period
Why Personal Accident Cover Matters for Bike Riders
Owner-rider PA is mandatory under Section 147. Without it, the rider's family receives no payout in case of fatal accident or permanent disability. The base Rs 15 lakh cover is auto-bundled with comprehensive cover. A top-up PA add-on raises this to Rs 25 lakh for high-risk riders.
A Pune commuter passed away in a hit-and-run. The family received Rs 15 lakh from the base PA cover. With a top-up PA of Rs 10 lakh extra (Rs 550 add-on), the family would have received Rs 25 lakh. Net difference: Rs 10 lakh for the next year of recovery and rebuild.
What This Add-On Pays For
Personal Accident Cover fills the depreciation gap, the consumables gap, or the assistance gap that the base comprehensive policy leaves uncovered.
Included Items
- Full part replacement value without depreciation
- Labour and paint cost during claim repair
- Towing and roadside support if event occurs on highway
- Multiple claims per policy year, no limit on count
Standard Exclusions
- None for this add-on apart from standard policy exclusions.
Skip this add-on if your bike is over 7 years old, the IDV is under Rs 25,000, and your annual ride is under 5,000 km. The premium pays back only above the break-even ride threshold.
Personal Accident Cover - Cost and Premium Bands
Two-wheeler premiums depend on cc, age, RTO zone, IDV, and add-on choices. Below are typical 1-year premium ranges as of 2026:
| Bike Type | Third-Party | Comprehensive | With Add-Ons |
|---|---|---|---|
| Commuter (75 to 150cc) | Rs 752 | Rs 1,400 to Rs 2,400 | +Rs 350 to Rs 800 a year top-up for Personal Accident Cover |
| Geared (150 to 250cc) | Rs 1,193 | Rs 2,200 to Rs 3,900 | +Rs 350 to Rs 800 a year top-up for Personal Accident Cover |
| Performance (250 to 400cc) | Rs 1,366 | Rs 3,200 to Rs 5,800 | +Rs 350 to Rs 800 a year top-up for Personal Accident Cover |
| Superbike (500cc plus) | Rs 2,804 | Rs 5,800 to Rs 12,500 | +Rs 350 to Rs 800 a year top-up for Personal Accident Cover |
Actual premium depends on your bike, RTO, and add-on stack. Get an exact quote at hizuno.com/bike-insurance.
How to Buy Personal Accident Cover Online
Adding Personal Accident Cover at policy purchase takes under 30 seconds and adds Rs 350 to Rs 800 a year top-up to your annual cost. Here is the step-by-step:
- Open the add-on selection flow - Visit hizuno.com/bike-insurance and start the add-on selection journey by entering your bike number or chassis number.
- Verify bike and owner details - VAHAN pulls registration date, fuel type, make and model. Confirm the owner name, mobile, and email.
- Pick cover and add-ons - Choose third-party or comprehensive. Stack relevant add-ons such as Zero Depreciation, Engine Protect, Roadside Assistance, or Consumables.
- Set IDV and review premium - IDV slider sets the insured value. Review the final premium and the policy wording before paying.
- Pay and download policy - Pay using UPI, card, or netbanking. The policy PDF and the soft copy land in your inbox within minutes.
Best Time to Stack This Add-On
Stack this add-on at new policy purchase. Mid-year addition is possible but most providers prorate the cost without giving full year cover until renewal.
City and State Nuances for Bike Insurance
Two-wheeler premiums vary sharply by city. Higher theft zones, monsoon-flood cities, and dense-traffic metros push base premium up. Use the table to plan your add-on stack:
| City | Premium Adjustment | Recommended Add-On |
|---|---|---|
| Mumbai | +12% (monsoon + theft zone) | Engine Protect, RSA |
| Delhi NCR | +8% (high traffic, theft) | Roadside Assistance, Helmet Cover |
| Bangalore | +6% (traffic + tech-hub theft) | RSA, Consumables |
| Chennai | +10% (cyclone + monsoon) | Engine Protect, Consumables |
| Hyderabad | +4% (best metro RTO) | Zero Dep, RSA |
| Pune | +5% (Maharashtra base) | Zero Dep, Engine Protect |
| Kolkata | +9% (flood + tram density) | Engine Protect, RSA |
| Ahmedabad | +3% (low loss ratio) | Zero Dep, NCB Protect |
| Jaipur | +2% (desert dust) | Consumables, Engine Protect |
| Kochi | +11% (highest monsoon load) | Engine Protect mandatory |
Mumbai, Chennai, Kochi, and Kolkata are the four cities where Engine Protect pays back in the first monsoon. Bangalore and Delhi NCR riders should pick Roadside Assistance for traffic-zone breakdowns. Pune and Hyderabad RTOs offer the lowest two-wheeler base premiums in India.
Common Mistakes Indian Bike Owners Make
Letting your bike policy lapse by even a single day. You lose the entire No Claim Bonus (up to 50%) and the bike must clear a fresh inspection before the new policy starts.
- Picking the add-on only after a claim - Add-ons must be active before the event. A mid-claim addition does not cover the existing damage.
- Skipping the add-on for an old bike with high IDV - If IDV is over Rs 60,000, the add-on still pays back on a single windshield or paint claim.
- Stacking too many overlapping add-ons - Roadside Assistance and Engine Protect cover separate events. Tyre Protect and Consumables overlap on tyre replacement, so pick one.
- Forgetting renewal of the add-on - Add-ons reset every renewal. Confirm the policy schedule shows the add-on line item.
- Buying the add-on on a track-day bike - Track-day riding voids most add-ons. Pick a track-specific event policy instead.
Pro Tips to Save on Bike Insurance
- Bundle Personal Accident Cover with Engine Protect - These two pay back together in the first monsoon for any geared bike.
- Renew 30 days before expiry to keep add-on continuity - A lapse forces the provider to re-underwrite all add-ons at fresh-policy rates.
- Pick the highest IDV bucket your bike qualifies for - Higher IDV unlocks the full add-on payout limits.
- Stack Zero Depreciation if the bike is under 5 years old - Depreciation hits new bikes hardest in the first 3 years. Zero Dep recovers the gap.
Frequently Asked Questions
Related Bike Insurance Guides
- Bike Insurance Renewal Online
- Comprehensive Bike Insurance
- Third-Party Bike Insurance
- Zero Depreciation Add-On for Bikes
- Bike Insurance NCB Guide
- Bike RTO Transfer Guide
Sources: Content based on information published by IRDAI, ARAI, MoRTH, Parivahan Sewa, General Insurance Council (GIC), and other relevant regulatory or industry sources, as applicable.
Disclaimer: Premiums and amounts shown are indicative and approximate reference figures only; the actual figure varies with the vehicle's age, No Claim Bonus, geography (RTO zone) and various other parameters. The company offers products under Motor, Health, and Commercial Insurance. For risk factors, terms and conditions, exclusions, and product features, please read the policy wording, sales brochure, and prospectus carefully before concluding a sale. Zuno General Insurance Limited | IRDAI Reg. No. 159 | CIN: U66000MH2016PLC273758 | Registered Office: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai 400070 | Toll-Free: 1800 12000 | Landline: 022 42312000 (Call charges applicable) | Website: www.hizuno.com | Email: support@hizuno.com.
Section 41 of the Insurance Act, 1938: No person shall allow or offer to allow, directly or indirectly, as an inducement to any person to take out, renew, or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out, renewing, or continuing a policy accept any such rebate.