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🛡️👤 Motor Insurance· Standalone CPA· Owner-Driver· the insurer· Personal Accident

One Policy. All Your Vehicles. One Premium — Standalone Compulsory Personal Accident Cover for Every Vehicle You Own — ₹15 Lakh Sum Insured· Death & Disability· IRDAI Mandatory Since 2019 —
Standalone CPA (Compulsory Personal Accident) Cover, the insurer

the insurer's Standalone CPA is the mandatory owner-driver personal accident cover — now unbundled from motor insurance since January 2019. One standalone policy covers ALL vehicles you own. ₹15 lakh sum insured. 100% payout on death or permanent total disability. 50% on loss of one limb/eye. Covers driving, mounting, and dismounting. Premium: ₹750/year as regulated by IRDAI.

✅ ₹15 Lakh Sum Insured Mandated Minimum✅ One Policy Covers ALL Vehicles You Own✅ 100% on Death or Permanent Total Disability✅ 50% on Loss of One Limb or One Eye✅ Covers Driving + Mounting + Dismounting✅ Annual Premium: ₹750 (IRDAI Fixed)
IRDAI Circular IRDAI/NL/CIR/MOTP/200/12/2018· Effective January 1, 2019· GR 36A Motor Tariff· Motor Vehicles Act 1988· Mandatory for All Owner-Drivers  |  IRDAI Licensed Broker — Lic. No. 528
CPA
🛡️Standalone CPA· Unbundled Jan 2019· IRDAI Circular 200/12/2018
💰₹15 Lakh min sum insured· ₹750 bundled premium
🚗All vehicles you own — one standalone policy
📞CPA Quote 022 4302 0000
An IRDAI Licensed Insurance Broker

the insurer Motor· 6th Motor Product· Standalone CPA· IRDAI Circular 200/12/2018· Mandatory Owner-Driver Cover

What is the insurer Standalone Compulsory Personal Accident (CPA) Cover?

The Standalone CPA is a mandatory personal accident policy that protects the owner-driver against death or permanent disability in a motor accident. Unbundled from motor insurance by IRDAI effective January 1, 2019 — one standalone policy now covers ALL vehicles you own, replacing the earlier requirement to buy a separate CPA with every motor policy. The only motor product in the insurer's portfolio that protects the PERSON, not the vehicle.

📋

Key Policy Details

  • "Coverage under the stand-alone CPA will extend to all the vehicles owned by the owner-driver under the same policy. In other words, the cover under the stand-alone CPA policy would be valid when the owner-driver drives any of the vehicles he/she owns."
  • "The coverage under the Standalone CPA policy is as per GR 36A of the Indian Motor Tariff 2002: Death (100%). Loss of two limbs or loss of sight of two eyes or one limb and sight of one eye (100%). Loss of one limb or sight of one eye (50%). Permanent Total Disablement from injuries other than above (100%)."
  • Premium (IRDAI fixed):"IRDAI had raised the minimum insurance cover for owner-driver to Rs 15 lakh for an annual premium of Rs 750." — Business Standard (Dec 2018) confirmed. For standalone policy, insurers may price above ₹750 per actuarial principles (IRDAI circular).
  • "Since a general Personal Accident cover also includes cover against motor accidents, if an owner-driver already has a 24-hour Personal Accident cover against Death and Permanent Disability (Total and Partial) for CSI of at least Rs.15 lacs, there is no need for a separate CPA cover."
Key Features — The Only the insurer Motor Product Covering the PERSON, Not the Vehicle
🛡️

One Policy — All Vehicles

The most important CPA innovation since Jan 2019: one standalone policy covers every vehicle you own — private car, two-wheeler, commercial vehicle. Previously, owners paid ₹750 CPA for EACH vehicle. Now one CPA suffices for all.

IRDAI Circular 200/12/2018
💰

₹15 Lakh Sum Insured

"IRDAI had raised the minimum insurance cover for owner-driver to Rs 15 lakh for an annual premium of Rs 750." 100% = ₹15L on death or PTD. 50% = ₹7.5L on loss of one limb or eye. The minimum standard for all CPA covers.

IRDAI Fixed Minimum
👤

Owner-Driver Only

CPA covers ONLY the registered owner who is also driving. Pillion riders, passengers, hired drivers — not covered under CPA. They need separate PA covers. "The CPA cover is only for the owner-driver."

Owner-Driver Exclusive
📋

Mandatory by Law

"Mandatory under the Motor Vehicles Act, 1988, and IRDAI guidelines, with a minimum sum insured of ₹15 lakh." Every vehicle owner must have either: (a) CPA within motor policy, OR (b) Standalone CPA, OR (c) existing PA cover ≥₹15L.

Motor Vehicles Act 1988
🚗

All Vehicle Types

"Cars (private, commercial and fleet cabs), two-wheelers (bikes and scooters) & Commercial Vehicles." One standalone CPA policy is valid when the owner-driver is driving any of their owned vehicles — car, bike, or commercial.

Cars· Bikes· Commercial
📅

Annual Policy — 1 Year

"The duration of the stand-alone CPA cover would be one year." Annual renewal. Must be renewed on time to maintain mandatory compliance. If CPA lapses AND no alternative PA cover: motor insurance may technically lack mandatory PA component.

1 Year· Annual Renewal

Motor Vehicles Act 1988· Section 146· GR 36A Indian Motor Tariff· IRDAI Guidelines

Understanding CPA — Why the Owner-Driver Needs Personal Accident Cover

Motor insurance (TP and OD) protects the vehicle and third parties. But what about YOU — the driver? If you are seriously injured or killed in a road accident involving your own vehicle, neither TP insurance (which covers others) nor OD insurance (which covers your car) protects your life and income. CPA fills this gap — it is the human protection component of motor insurance.

🚗

Own Damage (OD)

Protects:
YOUR VEHICLE
from accidents, theft, fire, natural calamities

Vehicle — Not You
👥

Third-Party (TP)

Protects:
OTHERS
from your vehicle — death/injury/property

Others — Not You
👤

CPA (Standalone)

Protects:
YOU — THE DRIVER
from accidental death or permanent disability

✅ You — The Owner-Driver

📖 The History: Why Standalone CPA Was Created in 2019

IRDAI Mandate· Motor Vehicles Act 1988· Exemption Conditions· Multi-Vehicle Owners

Who Needs Standalone CPA — and Who Can Skip It

CPA is mandatory for all vehicle owner-drivers. However, since Jan 2019, there are two exemption routes: (1) standalone CPA policy, or (2) existing general PA policy with ≥₹15L cover. The standalone CPA is particularly valuable for owners of multiple vehicles — it eliminates the need to pay CPA premium on every individual motor policy.

🛡️ Who MUST Have CPA Cover

  • ✅ Every registered owner who personally drives their vehicle
  • ✅ Car owners — private car, SUV, hatchback, sedan
  • ✅ Two-wheeler owners — bikes, scooters, mopeds
  • ✅ Commercial vehicle owners who also drive their own fleet
  • ✅ Multi-vehicle families (one standalone CPA covers all)
  • ✅ Anyone buying a new vehicle without existing PA cover ≥₹15L
  • ✅ Owners whose existing motor policy's bundled CPA has expired
  • ✅ First-time vehicle buyers

✅ Who Can SKIP Buying New CPA

  • ✅ Owner already has standalone CPA policy (covers all owned vehicles)
  • ✅ Owner has existing general PA (personal accident) policy with CSI ≥₹15L that includes 24-hour cover for death AND permanent disability
  • ✅ "Since a general PA cover also includes cover against motor accidents, if an owner-driver already has a 24-hour PA cover against Death and Permanent Disability for CSI of at least Rs.15 lacs, there is no need for a separate CPA." Circular
  • ⚠️ Must declare/submit proof of existing PA cover at motor policy purchase
  • ⚠️ The existing PA policy must include motor accident events
💡

The Multi-Vehicle Owner Calculation — Why Standalone CPA Saves Money

  • Old system (bundled CPA, pre-2019):3 vehicles (1 car + 1 bike + 1 commercial) = ₹750 × 3 = ₹2,250/year. But you are one person — you can only drive one vehicle at a time. All three CPAs cover the same person for the same ₹15L sum.
  • New system (standalone CPA, post-2019):One standalone CPA at ₹750–₹2,000/year covers you while driving ANY of your 3 vehicles. Total: ₹750–₹2,000/year instead of ₹2,250. Save ₹250–₹1,500/year for multi-vehicle families. For a fleet of 10 vehicles: save ₹5,750–₹6,750/year.
  • When buying new vehicle insurance:If you show your standalone CPA policy number to the insurer when purchasing the new vehicle's motor policy, they will delete the bundled CPA from the motor policy — saving ₹750 per vehicle.

Probitas Insurance Brokers· takemyinsurance.com

What the insurer Standalone CPA Covers

"The coverage under the Standalone CPA policy is as per GR 36A of the Indian Motor Tariff 2002." Coverage is while the owner-driver is driving the insured vehicle, including while mounting into, dismounting from, or travelling in the vehicle as a co-driver.

💀 Accidental Death

If the owner-driver dies as a direct result of an accident involving their vehicle, 100% of the sum insured (₹15 lakh) is paid to the nominee. The death must occur within 12 months of the accident as a direct result of the injuries.

100% = ₹15 Lakh to Nominee

♿ Permanent Total Disablement (PTD)

If the owner-driver suffers permanent total disablement from injuries other than loss of limbs or sight — e.g., permanent paralysis, permanent incapacity to earn — 100% of sum insured is paid. Must be certified as permanent and total.

100% = ₹15 Lakh

👁️ Loss of Two Limbs / Both Eyes / One Limb + One Eye

Loss of two limbs (both arms or both legs or one of each), or loss of sight in both eyes, or loss of one limb and sight of one eye — all qualifying for 100% payout. Confirmed from GR 36A of the Indian Motor Tariff.

100% = ₹15 Lakh

🦾 Loss of One Limb or Sight of One Eye

Loss of one limb (one arm or one leg) OR loss of sight in one eye: 50% of sum insured. At ₹15L CSI: ₹7.5 lakh. Confirmed from GR 36A. This partial disability payout provides significant financial support for partial but life-altering injuries.

50% = ₹7.5 Lakh

🚗 While Driving Any Owned Vehicle

The standalone CPA extends to ALL vehicles owned by the owner-driver. If you own a car, a bike, and a commercial vehicle — one standalone CPA covers you while driving any of them. Confirmed from IRDAI Circular 200/12/2018.

All Owned Vehicles

🚪 Mounting / Dismounting / Co-Driving

Coverage applies not just while actively driving but also while: mounting into the vehicle, dismounting from the vehicle, travelling in the vehicle as a co-driver/passenger in an owned vehicle. Confirmed from standalone CPA page.

Getting In/Out Too

GR 36A Indian Motor Tariff 2002· ₹15 Lakh Sum Insured Standard

Compensation Scale — GR 36A of the Indian Motor Tariff

"The coverage under the Standalone CPA policy is as per GR 36A of the Indian Motor Tariff 2002.". The compensation table below is confirmed exactly from multiple sources including Bajaj General, and — all applying the same IRDAI-mandated GR 36A scale.

Nature of Accident / InjuryCompensation %Amount (at ₹15L Sum Insured)
Death — Owner-driver dies as direct result of motor accident100%₹15,00,000
Loss of Two Limbs — Both arms, both legs, or one arm and one leg100%₹15,00,000
Loss of Sight of Both Eyes — Total permanent blindness both eyes100%₹15,00,000
Loss of One Limb AND Sight of One Eye — Combined partial disability100%₹15,00,000
Permanent Total Disablement — From injuries other than those listed above100%₹15,00,000
Loss of One Limb — One arm OR one leg (permanent)50%₹7,50,000
Loss of Sight of One Eye — Total permanent blindness one eye50%₹7,50,000

⚠️ Critical Rules About CPA Compensation Payments

Probitas Insurance Brokers· takemyinsurance.com

All Vehicles You Own — Covered Under One Standalone CPA

"The type of vehicles included in the coverage is cars (private, commercial and fleet cabs), two-wheelers (bikes and scooters) & Commercial Vehicle." One the insurer Standalone CPA policy is valid when the owner-driver is driving ANY of these vehicle types that they own.

🚗

Private Car

Hatchback, sedan, SUV, MPV. Privately registered (white plate).

Any CC· Any Brand
🏍️

Two-Wheeler

Bike, scooter, moped, electric two-wheeler. Yellow or white plate.

Bikes· Scooters· EVs
🚖

Taxi / Cab

Commercial cab, fleet taxi, app-based commercial vehicle. Yellow plate.

Commercial· Yellow Plate
🚐

Commercial Vehicle

Pickup van, tempo traveller, LCV. Owned and driven by the same person.

LCV· Commercial
🚛

Truck / GCV

Owner-operator truck driver owning and driving their own goods vehicle.

Owner-Operator
🚌

Bus / PCV

Owner-operator bus or passenger vehicle driven by the registered owner.

Owner-Operator
💡

The "All Vehicles" Rule Explained — How the Standalone CPA Works Across a Fleet

  • Scenario 1 — Family with multiple vehicles:Husband owns: 1 Maruti Swift (white plate) + 1 Honda Activa + 1 Mahindra Bolero Pickup (yellow plate). With standalone CPA: one policy covers him while driving any of these 3 vehicles. Premium: one CPA payment instead of three.
  • Scenario 2 — Transport operator:An owner who drives their own truck fleet. They personally drive various trucks in the fleet. Standalone CPA covers them regardless of which truck they're driving that day — as long as all trucks are registered in their name.
  • Key condition:The standalone CPA covers the owner while driving ANY OWNED vehicle. If you drive someone else's vehicle (borrowed, rented, hired), the CPA from that vehicle's policy would apply — NOT your standalone CPA. The "ownership" condition is firm.

Pre-2019 vs Post-2019· IRDAI Unbundling· Multi-Vehicle Savings· Decision Guide

Bundled CPA vs Standalone CPA — Which Is Right for You?

Since January 2019, you have a choice: keep CPA bundled within your motor policy (as it always was), OR buy a standalone CPA once for all your vehicles. The right choice depends on how many vehicles you own. For single-vehicle owners, bundled is simpler. For multi-vehicle owners, standalone saves money and simplifies management.

Feature Bundled CPA (In Motor Policy) Standalone CPA (Separate Policy)
Coverage ScopeOnly while driving the specific insured vehicleAll vehicles owned by the same person
Multi-Vehicle OwnersPay ₹750 per vehicle policy = duplicate costPay once — covers all owned vehicles
Premium₹750/year fixed (IRDAI) per vehicle₹750+ per actuarial pricing for standalone
Renewal ManagementRenews with motor policy automaticallySeparate annual renewal required
Single Vehicle OwnerSimpler — auto-included in motor policyExtra policy to manage — no benefit over bundled
Sum Insured₹15 lakh (IRDAI minimum)₹15 lakh (may vary by insurer)
Best ForSingle vehicle owners — simplest approach2+ vehicle owners — saves money & simplifies
🧮

The Math: When Standalone CPA Saves Money

  • Single vehicle owner:Bundled CPA = ₹750 (auto-included in motor policy). Standalone CPA ≈ ₹750–₹2,000 (insurer pricing). If standalone costs ₹1,200, you pay ₹450 more for no benefit. Recommendation: keep bundled CPA in motor policy.
  • Two-vehicle owner (car + bike):Bundled = ₹750 × 2 = ₹1,500/year. Standalone CPA at ₹1,200 covers both. Saving: ₹300/year. Over 5 years: ₹1,500 saved. Worth considering if the standalone premium is lower.
  • Three+ vehicle owner:Bundled = ₹750 × 3+ = ₹2,250+/year. Standalone CPA at ₹1,200–₹2,000 covers all three. Saving: ₹250–₹1,050/year. Strongly recommend standalone CPA for 3+ vehicle owners.
  • Fleet/commercial owner (10 vehicles):Bundled = ₹750 × 10 = ₹7,500/year. One standalone CPA covers all 10. If standalone is ₹1,500, saving = ₹6,000/year. Call 022 4302 0000 for fleet CPA pricing from the insurer.

IRDAI Circular 200/12/2018· Exemption Conditions· Existing PA Policy Check

Exemption from CPA — When You Don't Need to Buy It

"Since a general Personal Accident cover also includes cover against motor accidents, if an owner-driver already has a 24-hour Personal Accident cover against Death and Permanent Disability (Total and Partial) for CSI of at least Rs.15 lacs, there is no need for a separate CPA cover to be taken."

✅ The Two-Route Exemption from CPA

Route 1: Own a Standalone CPA Policy

You already have a standalone CPA (from the insurer or any other insurer) covering ≥₹15L. When buying/renewing motor policies, declare the standalone CPA — the bundled CPA can be deleted from each motor policy, saving ₹750 per vehicle.

Route 2: Existing General PA Policy ≥₹15L

You already own a general personal accident policy (standalone health insurer or general insurer) with sum insured ≥₹15L that provides 24-hour cover for death AND permanent disability including motor accidents. This policy serves as CPA.

⚠️

Critical Conditions for Exemption — All Must Be Met

  • Condition 1 — Sum Insured:The existing PA policy must have Capital Sum Insured of at least ₹15 lakh. A ₹10 lakh PA policy does NOT qualify for exemption. Only ≥₹15L qualifies.
  • Condition 2 — 24-Hour Cover:The existing PA policy must provide 24-hour cover — meaning it covers accidents at any time, not just while driving. Most general PA policies qualify. Employer-provided PA (only during work hours) may NOT qualify.
  • Condition 3 — Death AND Permanent Disability:The existing PA policy must cover both Death AND Permanent Disability (Total and Partial). A policy that only covers death or only covers disability does NOT qualify for CPA exemption.
  • Condition 4 — Must include motor accidents:General personal accident policies from reputable insurers typically include motor accidents. Confirm with your PA insurer that motor accidents are covered under your policy.
  • What to submit:When buying a new motor policy and claiming CPA exemption: submit the existing PA policy number, insurer name, sum insured confirmation, and coverage period to the motor insurer. The motor insurer will then delete the bundled CPA from your motor policy.

Probitas Insurance Brokers· takemyinsurance.com

What Standalone CPA Does NOT Cover

CPA is narrowly focused: it covers the owner-driver's death and permanent disability from motor accidents. Temporary injuries, passengers, hired drivers, non-motor accidents — all fall outside standard CPA scope.

⏱️ Temporary Disability / Minor Injuries

CPA does NOT cover temporary injuries — broken bones, cuts, bruises, hospitalisation for recoverable injuries. The CPA only covers permanent disability outcomes. Temporary injuries require a separate personal accident or health insurance policy. "This compensation is a lump sum amount payable in case of death or permanent total disability and does not cover temporary injuries."

👥 Passengers / Pillion Riders

"The CPA cover is only for the owner-driver. Pillion riders need separate personal accident cover." Family members travelling in your car, pillion riders on your bike — NOT covered under your CPA. They need separate PA cover or IMT 16 unnamed passenger cover.

👷 Hired / Paid Drivers

If you employ a driver to operate your vehicle and that driver is injured or killed — CPA does NOT apply. The hired driver is covered under IMT 17 (PA for paid driver) or IMT 39 (for commercial vehicle workers). CPA is exclusively for the registered owner who personally drives.

🧘 Intentional Self-Injury / Suicide

"No compensation is payable for injuries or death resulting from intentional self-injury, suicide, attempted suicide." — Bajaj General/IRDAI. Deliberate self-harm is universally excluded from all PA covers including CPA.

🍺 Under Influence of Alcohol / Drugs

"Accidents occurring under the influence of intoxicating substances" are excluded. — Bajaj General/IRDAI. If the owner-driver was drunk or under the influence of drugs at the time of the accident, the CPA claim is rejected.

🏥 Pre-Existing Medical Conditions

Injuries or death related to pre-existing medical conditions (heart attack while driving, epilepsy causing an accident) may not qualify under CPA, which covers accidental external means. "Physical defect or infirmity" is excluded from compensation. — IRDAI/Bajaj General.

🚗 Driving Someone Else's Vehicle

Standalone CPA covers you while driving your OWN vehicles. If you drive a borrowed, rented, or someone else's vehicle and are injured — your standalone CPA does NOT apply. You would need coverage from that vehicle's bundled CPA or your own general PA policy.

🌍 Outside India / War / Nuclear

Accidents outside the geographical area specified in the policy (India). War, invasion, civil war, nuclear events. These are standard universal insurance exclusions. For overseas vehicle use, separate travel insurance or international motor cover is required.

Probitas Insurance Brokers· takemyinsurance.com

How to File a Standalone CPA Claim

CPA claims are made by the owner-driver (for disability) or by the nominee/legal heir (for death). Key requirement: intimate the insurer immediately after the accident and submit all documents promptly. the insurer Toll-Free: 022 4302 0000.

  1. Accident Occurs — Immediate Action

    Ensure medical treatment is the first priority. Call for emergency help if required (112 national emergency). If a road accident with third-party involvement: call police and file FIR. Inform family and nominated contact person.

  2. Intimate the insurer Immediately

    Call the insurer Toll-Free: 022 4302 0000 or contact the issuing the insurer office. Register the CPA claim. Provide: policy number, date/time/location of accident, nature of injury, vehicle registration number. Get claim reference number.

  3. Obtain Medical Certification

    All injuries must be medically certified by a qualified doctor. For disability claims: obtain a disability certificate from a government hospital or registered specialist confirming the nature and permanence of the disability. For death: obtain a death certificate and post-mortem report if applicable.

  4. Submit Claim Form and Documents

    Submit completed CPA Claim Form to the insurer with: Standalone CPA policy document, Driving Licence (valid at time of accident), Police FIR (for road accidents), Medical reports and disability certificate, Death certificate + nominee's identity proof (for death claims), Accident/incident description in writing.

  5. the insurer Assessment and Settlement

    the insurer appoints an assessor to review the claim. For disability claims: medical assessment of the nature and permanence of disability per the GR 36A compensation scale. For death claims: verification of accident linkage and nominee documents. Settlement at the applicable compensation percentage. the insurer pays the nominee directly for death claims.

📋

Documents Required for the insurer Standalone CPA Claim

  • Policy document:Original the insurer Standalone CPA policy schedule. The policy number links to all vehicles you own.
  • Driving licence:Valid driving licence for the vehicle being driven at the time of accident. Must be valid — expired or wrong category DL = claim rejection risk.
  • FIR (for road accidents):First Information Report from police. Not always mandatory for single-vehicle accidents, but recommended for all CPA claims.
  • Medical reports:All medical examination reports, treatment records, hospital discharge summary. For disability: specialist disability assessment certificate confirming permanent nature.
  • Death certificate (for death claims):Official death certificate. Post-mortem report if available. Nominee identity and relationship proof. Nominee bank account details for payment.
  • Vehicle RC:Registration Certificate confirming the owner-driver is the registered owner of the vehicle being driven at the time of the accident.

the insurer Standalone CPA — Frequently Asked Questions

Frequently Asked Questions

CPA (Compulsory Personal Accident cover) is mandatory owner-driver protection in motor insurance — it pays ₹15 lakh if the owner-driver dies or suffers permanent disability in a motor accident. It was "unbundled" from motor policies effective January 1, 2019 by IRDAI Circular IRDAI/NL/CIR/MOTP/200/12/2018.

Why it was introduced:
Before Jan 2019: CPA was mandatory in every motor policy. An owner with 3 vehicles paid ₹750 × 3 = ₹2,250/year for CPA — but they are one person who can only get ₹15L compensation regardless of how many policies they hold. The extra ₹1,500 was wasted.

The Madras High Court in Sep 2018 also flagged inadequacy of old PA limits (₹1L/₹2L), which IRDAI raised to ₹15L at ₹750/year — suddenly making the multi-vehicle duplication more significant.

IRDAI's solution:
"Coverage under the stand-alone CPA will extend to all the vehicles owned by the owner-driver under the same policy." One standalone policy, one premium, all vehicles covered.

Call 022 4302 0000 for the insurer Standalone CPA pricing for your vehicle fleet.
"The coverage under the Standalone CPA policy is as per GR 36A of the Indian Motor Tariff 2002." The compensation scale (at ₹15L CSI):

Death: 100% = ₹15,00,000 to nominee
Permanent Total Disablement (other than limb/eye loss): 100% = ₹15,00,000
Loss of two limbs / both eyes / one limb + one eye: 100% = ₹15,00,000
Loss of one limb OR one eye: 50% = ₹7,50,000

Important rules:
Only one category per accident — the highest applicable percentage applies.
Total policy liability capped at ₹15L per policy year.
Valid driving licence required at time of accident.
Death must occur within 12 months of accident from those injuries.
Temporary injuries, hospitalisation, short-term disability: NOT covered under CPA.
Standalone CPA covers ONLY the registered owner who personally drives the vehicle. including: "The CPA cover is only for the owner-driver."

CPA covers:
The registered owner-driver while driving any of their own vehicles, while mounting into or dismounting from the vehicle, and while travelling as a co-driver in an owned vehicle.

CPA does NOT cover:
Passengers in the car (family members, friends): they need separate PA covers or IMT 16 unnamed passenger cover.
Pillion riders on a two-wheeler: separate PA cover required.
Hired/paid drivers: they need IMT 17 (PA for paid driver) or IMT 39 (commercial vehicle workers).
Any person who is not the registered owner-driver.

For complete family protection:
Standalone CPA protects you. Your family members travelling with you need separate PA covers. Call 022 4302 0000 for family personal accident cover guidance.
"Coverage under the stand-alone CPA will extend to all the vehicles owned by the owner-driver under the same policy. In other words, the cover under the stand-alone CPA policy would be valid when the owner-driver drives any of the vehicles he/she owns."

Vehicle types covered:
Private cars (all models, all engine sizes)
Two-wheelers (bikes, scooters, e-bikes)
Commercial cabs, fleet taxis
Commercial vehicles (if owner-operated)
Any other motor vehicle registered in the owner's name

How it works across vehicles:
If you own a Maruti Swift + Honda Activa + Mahindra Bolero Pickup — one standalone CPA covers you while driving any of these three vehicles on any given day. The policy doesn't need to mention specific vehicle registration numbers (unlike motor insurance).

What it doesn't cover:
Borrowed vehicles (not registered in your name). Rented vehicles. Employer's vehicles. Only YOUR OWN registered vehicles qualify.
"Since a general Personal Accident cover also includes cover against motor accidents, if an owner-driver already has a 24-hour Personal Accident cover against Death and Permanent Disability (Total and Partial) for CSI of at least Rs.15 lacs, there is no need for a separate CPA cover to be taken."

Three conditions ALL must be met for exemption:
1. Sum Insured ≥ ₹15 lakh: Your existing PA policy must have at least ₹15L cover. ₹10L policies do not qualify.
2. 24-hour cover: Must cover accidents at any time — not just work hours or specific activities.
3. Covers Death AND Permanent Disability (Total and Partial): Both categories must be covered. Death-only or disability-only policies don't qualify.

How to claim exemption:
When buying a new vehicle's motor policy, submit your existing PA policy number, insurer name, and sum insured confirmation. The motor insurer will delete the bundled CPA from the motor policy, saving ₹750 per vehicle.

Call 022 4302 0000 — Probitas will help you assess whether your existing PA policy qualifies for CPA exemption.
"Presently, the premium for the personal accident cover in car insurance is fixed at Rs. 750 by IRDAI under the bundled policies.However, motor insurance companies can decide the premium for unbundled or standalone personal accident cover, which can be higher."

Premium structure:
Bundled CPA (within motor policy): ₹750/year fixed rate, uniform across all insurers.
Standalone CPA (separate policy): Not IRDAI-fixed for the standalone version. Insurers price based on actuarial principles. Typically ₹750–₹3,000/year for ₹15L sum insured depending on insurer and age.

Cost-benefit for multi-vehicle owners:
If standalone CPA costs ₹1,500/year and you own 3 vehicles: you save ₹750 (₹750×3 = ₹2,250 bundled vs ₹1,500 standalone = ₹750 saving).
If standalone CPA costs ₹2,500/year and you own 2 vehicles: bundled costs ₹1,500 — so bundled is cheaper for 2 vehicles in this scenario.

The calculation varies by insurer pricing. Call 022 4302 0000 for the insurer Standalone CPA pricing for your specific situation.
CPA (Compulsory Personal Accident) is a motor-specific PA cover. Regular PA policies are broader personal accident covers. Key differences:

Standalone CPA:
Mandatory regulatory requirement under Motor Vehicles Act 1988.
Covers only the owner-driver in a motor vehicle accident.
Sum Insured: exactly ₹15 lakh (IRDAI minimum).
Covers: Death and Permanent Disability (Total and Partial) only.
Does NOT cover: temporary disability, hospitalisation, loss of income, minor injuries.
Annual policy, linked to motor vehicle ownership.

General Personal Accident (PA) Policy:
Voluntary coverage (but qualifies as CPA exemption if ≥₹15L covering motor).
Covers accidents of all types — not just motor vehicle accidents.
Sum Insured: can be ₹2.5L to ₹1 crore (Saral Suraksha Bima: up to ₹1 crore).
May cover: death, PTD, PPD, temporary total disability, hospitalisation, medical expenses.
Available from general insurers and standalone health insurers.

If you want broader protection:
Consider a general PA policy with ≥₹15L sum insured — it qualifies as CPA replacement AND provides broader coverage beyond motor accidents. Call 022 4302 0000 for PA policy options.
"The duration of the stand-alone CPA cover would be one year." Circular. Standalone CPA must be renewed annually.

What happens if Standalone CPA lapses:
Your motor insurance (TP and OD) remains valid — the CPA lapse does not affect the vehicle's insurance.
However, you are technically without CPA coverage — making you non-compliant with the Motor Vehicles Act mandatory CPA requirement.

What motor insurers will do at renewal:
When you renew your motor policy and cannot show a valid standalone CPA, the motor insurer will add the bundled CPA back to your motor policy at ₹750/vehicle. This is actually protective — ensuring you're never truly without CPA.

Best practice:
Set standalone CPA renewal to the same date as your most-used vehicle's motor policy. Probitas at 022 4302 0000 will track your CPA renewal alongside your motor policy renewals. Never let standalone CPA lapse for multi-vehicle owners — the bundled alternative at ₹750/vehicle will cost more than a timely renewal.
This is one of the most common CPA misconceptions — CPA covers the OWNER-DRIVER, meaning the registered owner who is also the driver. If someone else is driving your car and you're a passenger, the situation is nuanced.

Scenario 1 — You are the passenger in your own car (hired driver driving):
Your Standalone CPA: Covers you while mounting/dismounting and "travelling in the vehicle as a co-driver." However, for injuries while you are purely a passenger (not the driver), this coverage is less clear-cut. The primary intent of CPA is for the owner-driver role.

Scenario 2 — Family member driving your car, you're a passenger:
The family member driver's CPA applies from their standalone CPA or bundled CPA. Your CPA is not the primary cover in this situation.

Scenario 3 — Your hired driver drives, you're a passenger:
Your hired driver needs IMT 17 (PA for paid drivers). As owner-passenger, you are not the "owner-driver" — your CPA is for when you drive.

For full protection as a passenger in your own vehicle:
An IMT 15 (Personal Accident for Named Passengers) or a general PA policy covers you as a passenger in any vehicle. CPA specifically covers the owner-driver role. Call 022 4302 0000 for complete personal accident coverage planning.
the insurer Standalone CPA is fundamentally different from all other the insurer Motor products — it is the ONLY product in the motor series that protects the PERSON rather than the VEHICLE.

The the insurer Motor Series and what each covers:
Private Car: Protects the car (OD) and others on the road (TP).
Two Wheeler: Protects the bike (OD) and others (TP).
Passenger Carrying Vehicle: Protects the commercial vehicle (OD), others (TP), and passengers (IMT 38).
Goods Carrying Vehicle: Protects the truck (OD) and others (TP).
Misc. & Special Type Vehicle: Protects the equipment (OD) and others (TP).
Standalone CPA: Protects YOU — the human driver — from death and disability.

Why it's categorised under Motor:
CPA is specifically triggered by motor vehicle accidents. The owner-driver's personal accident protection is inextricably linked to motor vehicle use — hence its placement in the insurer's Motor product category. But unlike all other motor products, it doesn't care about the vehicle's make, model, age, or IDV — it cares only about the PERSON behind the wheel.

This makes Standalone CPA the most human-centred product in the entire the insurer Motor series. Call 022 4302 0000 for the insurer Standalone CPA.

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By submitting you agree to our Privacy Policy and Terms & Conditions. Standalone CPA per IRDAI Circular IRDAI/NL/CIR/MOTP/200/12/2018. Coverage as per GR 36A Indian Motor Tariff 2002. Sum Insured ₹15 lakh. CPA is mandatory under Motor Vehicles Act 1988. Standalone premium determined by the insurer per actuarial principles. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.

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the insurer Standalone CPA· ₹15 Lakh Sum Insured· All Your Vehicles — One Premium· Death & Permanent Disability· GR 36A Motor Tariff· IRDAI Mandatory Since 2019· 022 4302 0000

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