What is CPA Cover in Car Insurance? Meaning & Benefits

Driving on the road is unpredictable, and while car insurance covers your vehicle, it’s equally vital to protect you. That’s where CPA Cover in car insurance comes in. CPA stands for Compulsory Personal Accident Cover, which ensures financial protection for the owner-driver in case of death or disability due to an accident. It’s a crucial layer of safety every car owner should understand.

What is CPA Cover?

CPA Cover in car insurance is a mandatory personal accident cover for owner-drivers. It offers compensation in the event of accidental death or permanent disability due to a road accident while driving the insured vehicle. The coverage amount is predefined and regulated by the IRDAI, with a standard sum insured of ₹15 lakh under most policies.

Why is CPA Cover Mandatory in India?

• Legal Requirement: The IRDAI mandates CPA Cover under the Motor Vehicles Act to ensure safety for vehicle owners.
• Driver Protection: Covers death or disability from an accident involving the insured vehicle.
• Independent of Vehicle Damage: Provides benefits even if the car remains undamaged.
• Financial Security: Offers a fixed sum to the policyholder or nominee.
• Promotes Road Safety: Encourages more awareness and accountability.

Things Covered Under CPA Cover in Car Insurance

• Accidental Death: ₹15 lakh compensation to the nominee.
• Permanent Total Disability: Lump sum payout based on severity.
• Ambulance & Emergency Care: In some cases, emergency support is included.
• 24x7 Protection: Coverage applies regardless of the location of the accident.
• Valid Across India: Covers the policyholder while driving anywhere in the country.
• Services from Trusted Insurers: Bajaj General Insurance, with a vast service network of 7,200+ cashless garages.

Also Read: Everything You Need to Know Car Depreciation

Situations When the CPA Cover Does Not Apply

CPA cover does not apply in cases where the accident was due to drunk driving, driving without a license, or when the policy has lapsed or is inactive at the time of the accident.

Eligibility Criteria for CPA Cover

The CPA cover applies to the owner-driver of the insured vehicle who holds a valid driving license and is named in the policy. It does not apply to paid drivers or third parties. You must be the registered owner and primary user of the vehicle to be eligible for this protection.

Benefits of Having CPA Cover

• Financial aid for a family in case of death
• Coverage for lifelong disability
• Legal compliance with the Motor Vehicles Act
• Affordable and easy to add to your policy
• No separate documentation required

How to Claim CPA Cover?

• Inform the insurance company about the accident immediately
• Submit FIR, hospital records, and medical certificates
• Provide identity proof, policy copy, and nominee details
• In case of death, submit the death certificate and the nominee’s ID
• Bajaj General Insurance follows a digital claim assistance process, adding convenience for its customers

Also Read: What is the Benefit Of Zero Depreciation Car Insurance?

Conclusion

CPA Cover in car insurance is not just a legal requirement—it’s a life-saving benefit that protects you and your family in the worst-case scenario. With benefits like ₹15 lakh compensation and peace of mind, opting for CPA Cover from Bajaj General Insurance is a smart, responsible step. Don’t overlook this crucial add-on in your car insurance journey.

FAQs

Q1. How much compensation does CPA cover provide?

CPA cover offers ₹15 lakh compensation in case of accidental death or permanent total disability of the insured owner-driver.

Q2. Can I opt out of CPA cover if I already have personal accident insurance?

Yes, if you already have a standalone personal accident policy with ₹15 lakh coverage, you may be allowed to opt out of CPA.

Q3. What are the documents that I have to submit at the time of registering a claim?

You’ll need the FIR copy, hospital/medical records, ID proof, policy document, and a death/disability certificate, if applicable.

*Standard T&C Apply

*Claims are subject to terms and conditions set forth under car insurance policy. Visit the official website of IRDAI for further details. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.