You don’t need to buy compulsory personal accident insurance cover more than once
Unbundling of compulsory personal accident cover was announced by IRDAI
You don’t need to compulsorily buy personal accident cover every time you take motor insurance for any new car
It is mandatory to take third-party and personal accident covers as part of your motor insurance for any plying vehicle. Owing to the mandatory nature of a personal accident cover, it came bundled with motor insurance. For you, this meant bringing home the bundled personal accident cover even when you bought a second car. Buying the same cover more than once just adds to the cost, and the regulator too realised this.