Provides financial assistance to the passengers in your car in case they suffer from injury or death due to an accident while traveling in your car. As we all know providing safety to the passengers sitting in our car is our utmost priority. With a comprehensive car insurance plan, when there is any injury or death happened to the driver during an accident while driving the car. The family receives the compensation amount of the driver from the insurer and this does not apply the same to the passengers that are your family members who are sitting inside the car.
This, of course, doesn’t sound fair for the people when they hear this during any claim. So, for better clarity and to avoid questions like will my family while driving with me be able to get a claim in case of any injuries that happened to them?
The answer to the above question would be absolutely not and only the driver who drives receives compensation. This is our duty and responsibility for us to protect our family members with compensations in case of the damages or mishaps or death. This will be a huge benefit if something had happened and this compensation helps the family in place of any deceased.
This passenger cover should be bought by private car holders and especially passenger-carrying commercial vehicles like pool cars, school busses, private busses, taxi, cab and many more since they are in at most risk of any damages incurred to them because their business includes only providing services to their passengers and so they should be aware of buying the additional passenger cover.
What are the Inclusions in passenger cover?
- The total sum insured to a passenger is Rs 2 lakh which is the maximum amount.
- Permanent total disablement.
- Permanent partial disablement.
- Offer financial assistance in case of accidental death.
Note: If the car holds 3 passenger seats then compensation is made only for three people and if the car has more people during accidents, we cannot make extra compensation for the other people.
Therefore, along with comprehensive car insurance, driver cover, passenger cover and personal accident cover are important covers to be bought along with car insurance.
