What is pa cover in bike insurance?

PA cover is short for Personal Accident cover, mate. It's basically insurance for you, not just for your bike. If you have a prang and get injured, this is the part of your insurance that helps you out.

It's not for fixing your bike's damage. It's for you. This cover can help pay for your medical bills. It can also pay you some money if you can't work for a while. In the worst case, it gives a payout for permanent disability or death from a crash. Here in Australia, it is usually an optional extra you add to your policy. So always check if you have it. It’s a good thing to have, I reckon.