Yes, if you wish to cover the passenger riding with you then you need to buy a passenger cover. A passenger add-on cover is designed specifically to provide coverage to the person who is sitting behind the bike rider on the insured bike from any kind of bodily injuries incurred or even demise that can happen because of any mishap or accident. Although, this add-on cover is not necessary yet everyone should buy this cover as the life of the passenger is equally important as that of the bike rider.