Mandatory personal accident cover for car, bike owners raised to Rs 15 lakh

Agencies

September 22, 2018

New Delhi, Sept 22: Car and bike owners will now get a compulsory personal accident cover of Rs 15 lakh under their motor insurance policies. Earlier, the mandatory cover was Rs 2 lakh for cars and Rs 1 lakh for two-wheelers.

A premium of Rs 750 per annum will be applicable for the Rs 15-lakh cover, a significant jump from the Rs 100 premium for cars and Rs 50 for two-wheelers earlier. The expense is over and above the mandatory third party insurance product.

Personal accident cover for vehicle owners is mandatory as per insurance regulations.

Due to an increase in the sum assured for the personal accident cover, all vehicle owners and drivers will be eligible for insurance benefits for death and permanent complete disability. General insurers are required to mandatorily provide it both for third party liability as well as comprehensive covers.

An individual wanting a cover above Rs 15 lakh can buy one by paying a higher premium, said Insurance Regulatory and Development Authority of India (IRDAI).

Tapan Singhel, MD & CEO, Bajaj Allianz General Insurance said, “I believe it is important to have an appropriate personal accident cover, for an effective financial support to the policyholders and their family members if she/he is disabled or succumbs to injury due to an accident. This will address the issue of underinsurance to some extent.”

In an October 2017 judgement, the Madras High Court had said enhancing the compulsory personal accident cover will add to some solace to the victims of road accidents.

The owner of the insured vehicle holding an ‘effective’ driving license is termed as owner-driver for the purposes of this section. The cover is provided to the owners, and their drivers, while driving a vehicle.

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QR-code tips power Mangaluru's major drug bust: 25 arrested in 2 weeks

News Network

December 16,2025

Mangaluru, Dec 16: The Mangaluru City police have significantly escalated their campaign against drug trafficking, arresting 25 individuals and booking 12 cases under the Narcotic Drugs and Psychotropic Substances (NDPS) Act between November 30 and December 13. The crackdown resulted in the seizure of a substantial quantity of illicit substances, including 685.6 grams of MDMA and 1.5 kg of ganja.

The success of this recent drive has been significantly boosted by the city’s innovative, QR code-based anonymous reporting system.

"The anonymous reporting system has received an encouraging response. Several recent arrests were made based on inputs received through this system, helping police tighten the noose around drug peddlers," said the City Police Commissioner.

The latest arrests contribute to a robust year-to-date record, underscoring the police's relentless commitment to combating the drug menace.

Up to December 14 this year, the police have registered a total of 107 cases of drug peddling, leading to the arrest of 219 peddlers. Furthermore, they have booked 562 cases of drug consumption, resulting in the arrest of 671 individuals.

The scale of the seizure for the year reflects the magnitude of the problem being tackled: police have seized 320.6 kg of ganja worth ₹88.7 lakh and 1.4 kg of MDMA valued at ₹1.2 crore. Other significant seizures include hydro-weed ganja worth ₹94.7 lakh and cocaine worth ₹1.9 lakh, among others.

The Commissioner emphasized a policy of rigorous enforcement: "We ensure that peddlers are caught red-handed so that they cannot later dispute the case or claim innocence."

To counter the rising trend of substance abuse among youth, the Mangaluru City police have rolled out uniform guidelines for random drug testing across educational institutions.

As part of the drive, tests were conducted in approximately 100 institutions, screening an estimated 5,500 to 6,000 students in the first phase. 20 students tested positive for drug consumption during the initial screening.

Students who tested positive have been provided counselling and are scheduled for re-testing in the second quarter. The testing will also be expanded to students not covered in the first phase. In a move to ensure strict implementation, police personnel were deployed in mufti in some institutions. Reiterating a zero-tolerance stance, the Commissioner confirmed that random testing will continue, and colleges have also been instructed to conduct drug tests at the time of admission to deter substance abuse from an early stage.

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