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Madras HC – Bundled Two-Wheeler Policy or Act Only Policy Covers Pillion Rider

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Judgment dated 23.6.2026 of the High Court at Madras in C.M.A. No.1874 of 2026 of M/s. ICICI Lombard GIC Ltd  Vs.  S. Barkathulla and others

“Act Only Policy” or “Bundled Insurance Policy” of two wheeler cannot cover the pillion rider as third party.

in the ‘Two-Wheeler Bundled Policy’ wherein it has been held that a Two-wheeler Bundled Policy also covers, payment of compensation to the occupants in the two-wheeler, including the pillion rider. Therefore, the insurance company cannot escape their liability by contending that the Two-wheeler Bundled Policy does not cover the pillion rider.

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