Passenger Cover is an additional benefit which provides personal accident insurance for unnamed passengers travelling in your car. The premium is calculated based on the seating capacity of the vehicle.
Unnamed Passenger PA cover is very important because, any one of your family members or your close friends could get hurt while travel along with you in the car, in case of an accident. The passenger cover will allow you to claim for their compensation towards accidental hospitalisation or disability.
Though it is an extreme stress scenario when your loved ones getting hurt in an accident involving your car, this will be a definite consolation for you and probably to them.
If you are responsible enough towards your near and dear ones, you should consider adding passenger cover to your car insurance.