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Standalone Compulsory Personal Accident (CPA) Cover for Owner – Driver

Motor Insurance

Tenure: 1 Year

The Compulsory Personal Accident (CPA) cover by Liberty General Insurance is a standalone compulsory Personal Accident policy exclusively for the owner-driver of the vehicle. According to the Insurance Regulatory and Development Authority of India (IRDAI), all vehicle owners must have a compulsory personal accident cover with a minimum sum insured of INR 15 Lakh. The standalone CPA policy came into effect from January 2019, wherein the insured can opt for this policy instead of choosing CPA as a cover within a Motor Insurance policy.

This policy compensates you or your beneficiaries against accidental death or disability caused while driving the Insured vehicle. You can choose to buy the standalone CPA if you do not have this coverage within your motor insurance policy or you have multiple vehicles. The type of vehicles included in the coverage is cars (private, commercial and fleet cabs), two-wheelers (bikes and scooters) & Commercial Vehicle.

Drivers and owners of larger commercial vehicles such as trucks or buses can also reduce accidental risk by purchasing the standalone Compulsory Accident cover.

Benefits of a Standalone Compulsory Personal Accident cover:

There are several advantages. Here’s a list:

  • Extensive Coverage

    The Compulsory Personal Accident cover extends to death and disability of the insured person.

  • Substantial Sum Assured

    Cover of INR 15 lakh

  • Broad Applicability

    The policy applies to an accident not only while travelling but also when you’re getting or out of the insured vehicle.

  • One Policy for Multiple Vehicles

    You don’t need to buy a separate cover for each vehicle. So if you’ve covered up to INR 15 lakh in your existing standalone CPA, it will apply to all your cars.

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Why have a Compulsory Personal Accident Insurance Cover?

The primary reason to have a standalone Compulsory Personal Accident Cover is that it is required as per Insurance regulation. Secondly, all vehicle owners or drivers become eligible for insurance benefits under this policy. The coverage applies to death or permanent disability of an insured person while travelling in the insured vehicle.

Features of a standalone Compulsory Personal Accident Cover:

The policy is valid for one year, and it compensates the insured or the nominee under the policy. As per this policy, in the event of death or disability of the insured person, while travelling in the insured vehicle, the beneficiary gets compensates. This compensation also applies to death or disability of the co-driver.

Here are a few features of Liberty General Insurance Standalone Compulsory Personal Accident policy (in case of an accident occurred during travelling in the insured vehicle):

  • Insurance Amount: You can get an insurance cover of up to INR. 15 lakh.
  • Compensation in Case of Death: The insured person’s nominee, as mentioned in the policy schedule, will be compensated in the event of an insured person’s death.
  • Compensation for Loss of Limbs: In case the insured person sustains injuries, which lead to an insured person losing one or two limbs, the insured person get compensation under the standalone Compulsory Personal Accident cover.
  • Compensation for Blindness: The insured person gets compensation in case of loss of vision in one or both eyes.
  • Coverage from Non-Network Hospitals: One of the most significant features of the standalone CPA policy is that you can get reimbursed for treatment in a non-network hospital. So even if you cannot avail the cashless benefit, Liberty General will reimburse your hospitalisation and treatment expenses later.

Compensation Scale

Liberty General will determine the scale of compensation and accept the claim for any one of these situations:

Extent of injury Scale
(i) Death 100% of SI
(ii) Loss of two limbs or vision in both eyes 100% of SI
(iii) Loss of one limb or vision of one eye 50% of SI
(iv) Permanent total disablement from injuries other than those listed above 100% of SI

The total cover shall not exceed the sum insured, and the insured person or the nominee can file a claim for any one of the four situations for the duration of the policy. Do note; the above compensation applies to injuries which arise only from the accident and within the subsequent six calendar months. Which means if an accident results in any one of the above situations six months from the accident date, the insured person or nominee is eligible for compensation or reimbursement.

What is not covered under the 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
  • An accident happening while such person is under the influence of intoxicating liquor or drugs.

Why choose LGI?

Liberty General Insurance offers a standalone Compulsory Personal Accident. Here are a few reasons to choose us:

  • Easy Online Insurance

    With LGI, you can buy a standalone CPA online in three easy steps.

  • Convenient Documentation Process

    Though you need to submit physical papers, the submission and claim processes are transparent and safe.

  • Insurance in an App

    LGI’s Live Mobile app makes it even more comfortable. All you have to do is download the app and get started.

  • Other Benefits

    At LGI policyholders have access to 24-hour roadside assistance and seamless claims processes. You can also get assistance from mechanics at 4300+ garages all over India.