What is Third Party Insurance

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Network Garages
96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
I agree to the Terms & Conditions
Third Party Car Insurance is part of the Indian Motor law. You can’t avoid it. Turns out you can’t understand it either. But that’s what we’re here for. To make insurance and everything that surrounds it easier for you. Almost as easy as it is to get answers to peculiar questions on Google. At least that's what we’re hoping for! 😉 Also, according to the Motor Vehicles Act, every car in India at least needs to be able to drive on Indian roads legally.
A Third-Party Car Insurance policy is to the cars what helmets are to bikers and passports are to international travelers - you simply can’t do without it. It goes beyond the law. It’s illegal and you will likely get into trouble if you don’t have it.
A car insurance third party policy basically covers all expenses that arise in cases where you (of course, while driving!) happen to damage any third-party. Whether that’s a third-party property, person or even another vehicle itself.
So, whether you want to be the good chap in the eyes of law or, want to protect yourself from unplanned, highly possible and super unfortunate expenses, then you essentially require an insurance that covers for third-party damages and losses, i.e. a Third-Party Car Insurance.
Although a 3rd party car insurance policy serves the legal purpose, it’s still not enough. Now, we know how much you love your car- so here’s a little bit of an insider insight here- we almost always recommend a Comprehensive Car Insurance Policy cause it not only covers for the law and third-party damages but also covers for losses and damages caused to your own car!
It is equally important to know what’s not covered in your third-party car insurance policy, such as:
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your car |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
We’re like the GenZ of today. We’re tech savvy. We hate paperwork. We love our mobile phones to death and we sure as hell love completing our work in a nick of time. So, making a claim with us isn’t that much of a hassle. So, in case there is an accident and if you have damaged someone else’s vehicle, or property, here’s how you can file a car accident insurance claim and settle the matter within minutes:
The following documents will have to be submitted for a Third-party car insurance claim:
Guess what? We love claims, and contrary to what people say about the insurance guys, we don’t really live up to all those vague stereotypes and generalizations. We’re nice. Period. We know humility is a thing, but we’re just being honest here 😉 You’re pretty much a friend to us, and what do we do for our friends. Everything that we can do in our capacity.
Remember the following things before buying four-wheeler insurance third party:
Rohan rides his cycle to school every day. One day, while parking his cycle he accidentally bumps into one of his classmates' cycle. Rohan gets super scared because there are damages to the cycle. He calls his dad for help. His dad talks to his classmate and promises to pay for the repairs. This is quite like what happens if you have a Third-Party Liability Cover! Except we play the role of your dad here 😀
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