Common Carrier Accident Cover

Accidental Death and Disablement on a Common Carrier is a special add-on cover that pays a lump sum if you die or suffer a serious disability — but only when the accident happens while you're a passenger on a public transport vehicle. That includes scheduled flights, trains, cruise ships, and registered buses or taxis on a fixed route.

The risk is concentrated and the consequences are severe. Insurers can offer a much higher payout — sometimes two to five times your regular Personal Accident sum — for a relatively small additional premium.

Death in a covered accident: nominee receives the full sum assured.

Permanent total disability (loss of both eyes, both limbs, etc.): full payout.

Permanent partial disability: payout based on a fixed percentage scale tied to the body part affected.

Cover applies only while you are on board the carrier — including boarding, traveling, and disembarking.

It does not extend to airport or station premises beyond the defined window.

Hijacking is sometimes covered, sometimes excluded — depends on the insurer and the specific plan.

Especially valuable for families dependent on a single earner who travels frequently. For a small addition to your premium, you can secure your loved ones against the unthinkable.