Policyholders holding active third-party coverage can approach their existing insurer to secure legal liability protection for passengers, with coverage beginning as stated in the official endorsement. This provision forms Section II of a comprehensive four-layer insurance framework scheduled to launch on December 15, 2026. The regulator specifically noted that this legal liability protection remains entirely distinct from personal accident insurance under Section III. In addition, insurance companies must integrate this entire four-layer structure into the Bima Sugam platform to ensure seamless consumer access.
Key points
Section II coverage protects vehicle owners against legal liabilities toward car occupant…: Section II coverage protects vehicle owners against legal liabilities toward car occupants, two-wheeler pillion riders, and employed personnel injured in accidents.
Regulators explicitly separate legal liability protection in Section II from personal acc…: Regulators explicitly separate legal liability protection in Section II from personal accident insurance categorized under Section III.
Insurers are required to integrate the four-layer policy framework with the Bima Sugam pl…: Insurers are required to integrate the four-layer policy framework with the Bima Sugam platform by the December 2026 deadline.
Sources checked by our analysis pipeline: 1
Have you already purchased third-party motor insurance for your car or two-wheeler but now want protection for people travelling in your vehicle? You may not have to wait until your policy renewal to add this cover
The Insurance Regulatory and Development Authority of India (IRDAI) has clarified that existing policyholders can add legal liability cover for occupants or pillion riders during the currency of their third-party insurance policy.
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Under the new provision, policyholders will have to pay an additional premium to obtain this cover. However, they must approach the same insurer that issued their existing third-party policy. They cannot approach another insurer to add this protection to their existing policy.
The additional cover will become effective from the date and time specified in the endorsement issued by the insurer.
This provision is part of IRDAI's four-layer motor insurance policy structure, which will come into effect from December 15, 2026.
Under the new motor insurance structure, legal liability to occupants or…
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