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The document specifies capital sum insured handling “as per schedule” and defines benefit percentages for death, loss of limbs, loss of sight, and permanent total disablement. It also sets legal exclusions and conditions governing liability, notice requirements, and claim handling.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-coverage-and-terms/179679/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-coverage-and-terms/179679.png","ImageObject",300,407,{"name":92,"@type":93},"Angel","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-22","2026-09-02",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",16,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"Which injuries and outcomes are covered under Compulsory Personal Accident (Owner-Driver) coverage?","Question",{"text":113,"@type":114},"Coverage includes death, loss of two limbs or sight of both eyes (and similar combined cases), loss of one limb or sight of one eye, and permanent total disablement from other specified injuries. The benefit percentages are defined in the scale of compensation.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"How does the policy calculate compensation across different types of vehicles?",{"text":118,"@type":114},"For motorized two wheelers, private cars, and commercial vehicles, the capital sum insured and premium are stated as “as per schedule.” Benefit percentages for the listed outcomes are applied consistently as shown in the coverage section.",{"name":120,"@type":111,"acceptedAnswer":121},"What key exclusions and conditions limit the insurer’s liability?",{"text":122,"@type":114},"Liability is restricted for certain circumstances such as war-related events and for liabilities caused by nuclear weapons material. Conditions require prompt written notice of claims and govern admissions, offers, promises, payment, and the company’s right to conduct defence or settlement.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},179679,1788337834,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":140,"language":141,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":66,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":130,"read_time":41},687207412472,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","| |  | |  |\n| --- | --- | --- | --- |\n| COMPULSORY PERSONAL ACCIDENT\u003Cbr>(OWNER-DRIVER) UNDER MOTOR INSURANCE POLICIES |  |  |  |\n| |  |  |  |\n|  [www.magmainsurance.com](www.magmainsurance.com) |  |  |  [customercare@magmainsurance.com](customercare@magmainsurance.com) |\n| | Magma General Insurance Limited (erstwhile Magma HDI General Insurance Company Limited) | [www.magmainsurance.com |](www.magmainsurance.com |)[ ](www.magmainsurance.com |)[E-mail: customercare@magmainsurance.com | Toll Free: 1800 266 3202 | Registered Of](E-mail: customercare@magmainsurance.com | Toll Free: 1800 266 3202 | Registered Of)􀃀ce: Equinox Business Park, Tower 3, Ambedkar Nagar, 2nd Floor, Unit Number 1B & 2B, LBS Marg, Kurla (West), Mumbai - 400070, Maharashtra, India. | CIN: U66000MH2009PLC460693 | IRDAI Reg. No. 149 | Compulsory Personal Accident (Owner-Driver) - Motor | Product UIN: IRDAN149RP0034V01201819 | Trade Logo displayed above belongs to Magma Ventures Private Limited and is used by Magma General Insurance Limited under license. | Chat with MIRA on our website or say “Hi” on WhatsApp No. 7208976789 (PW. PC. Package.ver22 .07.26) |  |  |\n\n| Type of Vehicles | Capital Sum\u003Cbr>Insured (`) | Premium\u003Cbr>(`) | Cover |\n| --- | --- | --- | --- |\n| Motorized Two Wheelers (Package New / Non New, Bundled, Long term, Liability) | As per\u003Cbr>Schedule | As per\u003Cbr>Schedule | i) 100% of CSI for Death, Loss of Two Limbs or sight of both eyes or one limb and sight of one eye.\u003Cbr>ii) 50% of CSI for Loss of one Limb or sight of one eye.\u003Cbr>iii) 100% for Permanent Total Disablement from injuries other than named above. |\n| Private Cars (Package New/Non New, Bundled, Liability) | As per\u003Cbr>Schedule | As per\u003Cbr>Schedule | i) 100% of CSI for Death, Loss of Two Limbs or sight of both eyes or one limb and sight of one eye.\u003Cbr>ii) 50% of CSI for Loss of one Limb or sight of one eye.\u003Cbr>iii) 100% for Permanent Total Disablement from injuries other than named above. |\n| Commercial vehicles (Package, Liability) | As per\u003Cbr>Schedule | As per\u003Cbr>Schedule | i) 100% of CSI for Death, Loss of Two Limbs or sight of both eyes or one limb and sight of one eye.\u003Cbr>ii) 50% of CSI for Loss of one Limb or sight of one eye.\u003Cbr>iii) 100% for Permanent Total Disablement from injuries other than those named above. |\n\n| Nature of injury | Scale of compensation |\n| --- | --- |\n| (I) Death | 100% |\n| (ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% |\n| (iii) Loss of one limb or sight of one eye | 50% |\n| (iv) Permanent total disablement from injuries other than named above | 100% |\n\n| | | Compulsory Personal Accident (Owner-Driver)\u003Cbr>|  |\n| --- | --- | --- | --- |\n| \u003Cbr>4. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of the occurrence of the event out of which any claim arises.\u003Cbr>5. The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequence of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.\u003Cbr>6. The Company shall not be liable in resp","cbCaijB1XG94AVm2","https://ap.wps.com/l/cbCaijB1XG94AVm2","pdf",713544,12,"English","[{\"question\":\"Which injuries and outcomes are covered under Compulsory Personal Accident (Owner-Driver) coverage?\",\"answer\":\"Coverage includes death, loss of two limbs or sight of both eyes (and similar combined cases), loss of one limb or sight of one eye, and permanent total disablement from other specified injuries. The benefit percentages are defined in the scale of compensation.\"},{\"question\":\"How does the policy calculate compensation across different types of vehicles?\",\"answer\":\"For motorized two wheelers, private cars, and commercial vehicles, the capital sum insured and premium are stated as “as per schedule.” Benefit percentages for the listed outcomes are applied consistently as shown in the coverage section.\"},{\"question\":\"What key exclusions and conditions limit the insurer’s liability?\",\"answer\":\"Liability is restricted for certain circumstances such as war-related events and for liabilities caused by nuclear weapons material. Conditions require prompt written notice of claims and govern admissions, offers, promises, payment, and the company’s right to conduct defence or settlement.\"}]","Compulsory Personal Accident (Owner-Driver) Under Motor Insurance Policies - Coverage and Terms | PDF"]