A Personal Accident Cover will offer you (the owner-driver) or your beneficiaries a monetary compensation in the event of an injury or death caused by an accident while driving the insured vehicle. The Personal Accident Cover is a mandatory cover that you must own to ride on the Indian roads legally. You can opt for the Personal Accident Cover with a comprehensive bike insurance policy or a third party bike insurance policy. It would entirely depend on you, which one you wish to choose. No matter which one you choose, the cover will offer you complete protection.