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Third Party Liability insurance

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Third Party Liability insurance

Benefits

Third Party Liablity Car Insurance
​​Property damage
to third party
P​ersonal
Accident Cover
5000+ cashless
network garages
5 M+ happy
​customer

​​​​​What is Third-Party Car Insurance?


A Third-Party Liability Insurance offers financial cover to the insured person against any legal liability arising due to loss/damage caused to a third-party person or property. As per the Indian Motor Vehicles Act, a third party liability cover is mandatory under law and a basic requirement under a vehicle’s insurance policy.​ While choosing a car insurance policy, people often get confused whether to opt for a comprehensive car insurance policy or a third party car insurance policy. While a comprehensive car insurance policy offers overall protection against damages to your car as a result of incidents unrelated to accident / collision; a third party liability car insurance offers cover against any legal liability arising due to damages or injury caused by the insured to a third party.

What are the Benefits of Third Party Car Insurance?


Key Features Benefits by Reliance General

Property Damages to Third Party

Upto 7.5 Lakh

Personal Accident Cover

Available

Add Ons

Not Available

Buying Process

Online via Smartphone in 5 minutes

Property Damages to Third Party

As per MVA 1988

​​​

How Does Third-Party Car Insurance Work?


In order to better understand the concept of third-party car insurance, let us look at some terminologies. For example, in the event of a car accident, the parties involved are as follows: 

  • First party: The insured person or policy holder
  • Second party: The insurance company 
  • Third party: The person who claims for the damages caused by the first party

  • In an event where an insured person with a third party insurance policy is held legally liable for injuries or damage done to a third party, then his/her insurance company indemnifies the insured person. Any losses arising due to damages or injury caused by the insured to a third party or third party’s property, are covered under the third-party insurance policy. In the event of a car accident, an insured person with a third party insurance policy is required to immediately inform the insurance company of the incident. If you were responsible for the accident (or the other driver believes you were responsible), it's almost certain that a claim will be made against you, which your insurance company will be expected to pay. So, for the speedy resolution of the claim it is of utmost importance that  the insurance  company is intimated about the accidental claim at the earliest This is how a third-party motor insurance works.
    ​​

    ​What Does a Third-Party Car Insurance Policy Cover?​

    A third-party insurance of car covers for the expenses incurred due to the following reasons: 

  • Death or bodily injury to a third party
  • Damage to a Third-Party Vehicle because of the insured vehicle
  • Damage to third-party property to an extent of Limit - Rs. 7.5 Lacs

  • Calculate your premium easily with our Car Insurance Calculator.

    What Does a Third-Party Car Insurance Policy Not Cover? ​

    When opting for a third party only car insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what third party car insurance does not cover: 

  • Cost of damages to a vehicle or the belongings in the vehicle in case of an accident​
  • Cover for losses incurred if your car or belongings are stolen or destroyed 
  • Coverage against damages to your own vehicle 

  • It would be wiser to opt for third-party motor insurance if you own an old inexpensive car model, which is cheaper to repair.​ Has your car insurance expired? Click here for easy expired car insurance renewal online.

    Advantages of a Third-Party Car Insurance


    There are several advantages of third-party car insurance. Let’s look at the advantages that you will be eligible for in case you buy third-party car insurance: 

    Enables You To Drive Legally 


    Under the Motor Vehicles Amendment Act, 2019, it is necessary to insure your car if you want to drive on Indian roads. Getting basic third-party car insurance will protect you from hefty fines.

    It Will Save You Time 


    You can buy third-party car insurance online with just a few clicks. This will save you time and money as you can buy this plan from the comfort of your home. 

    Coverage for Third-Party Person in case of Personal Damages 


    In case of an unfortunate event like an accident where you hurt someone physically or in severe cases, cause the death of the third person. Your third-party car insurance will provide coverage for the losses up to unlimited liability**. 
    In Note (** Compensation amount is decided/suggested by the court of law.)

    Coverage for Third-Party Property or Vehicle Damages 


    In case of an accident where it causes damage to one’s vehicle or property, your third-party car insurance will provide coverage  for the loss up to Rs 7,50,000/-. 

    Protects you in case of any physical injuries 


    In case you don’t have a personal accident cover, you can opt for it with your third-party car insurance. This way you can protect yourself and your family financially in the case of permanent disability or death due to an accident.

    Protects you from Unexpected Losses


    Indian roads are congested, and you can see several cars on the roads. So, an unfortunate event like an accident that is bound to happen. If you opt for a third-party car insurance policy, you don’t have to worry about the expenses that might incur in case of an unexpected accident loss. 

    Disadvantages of a Third-Party Car Insurance


    Nothing is perfect, not even your third-party car insurance as it comes with several disadvantages as well. Here is the look at the disadvantages that you might face if you buy third-party car insurance:

    Doesn't cover your own damages 


    Your third-party car insurance will not provide coverage against the damages and losses to your own car. To protect your car financially, you need to opt for a separate comprehensive car insurance policy from reputable insurers. 

    Doesn't cover damages due to natural calamities 


    No one can predict the future. Natural calamities such as floods, earthquakes, tsunami, etc. are some of the unfortunate events that no one has control on. In case your car is damaged due to a natural calamity, your third-party car insurance will not cover it. However, opting for comprehensive car insurance will surely protect you financially against the damage caused to your car due to both natural and man-made calamities. 

    You can’t opt for add-ons 


    There are several add-ons that enhance the coverage of your plan, but you can only opt for them in case you buy a comprehensive car insurance plan and not with third-party car insurance. 

    Why Buy Third Party Car Insurance From Reliance General Insurance?


    With a Reliance General Third Party Only Car Insurance Policy, you will get the following benefits: 

  • Cover for causing accidental injury or death to the third-party
  • Cover for accidental damage to the third party's property
  • Easy Claims with 98% Claim Settlement Ratio​

  •  

    How to File a Claim for Third Party Car Insurance? 


    Given below are the vital points that you need to consider in case of a third-party insurance claim:

  • In an unfortunate event like an accident, the third-party must file an FIR immediately after the accident takes place. You must retain a copy of the said FIR and the Charge sheet filed by the Police. On happening of an accident causing injuries to the third party, you need to inform the police and your insurance provider, without any delay and share the valid documents of the vehicle including the driving licence of the driver.
  • In case of an accident, where you are not at fault or you have been impleaded in an accident, though not involved, file an FIR with the police against the person/s who have caused the accident or have impleaded you as a party to the case and defend the case in the court along with your insurer. 

  • In India, Motor Accident Claims Tribunal decides the claim for compensation amount to a third party. In case of personal injuries to a third-party, there is no upper limit, whereas, there is limited liability of insurance up to Rs 7.5 lakhs in the event of losses and damages caused to third-party property or vehicle depending on the involvement of the vehicle insured. A claims petition seeking compensation is filed by the third party before the concerned Motor Accident Claims Tribunal and the judicial proceedings start wherein the vehicle owner, driver and insurer is a party to the case.

  • If the damages and losses caused due to an accident are minor, then it is advisable to settle it outside the court as dealing with the court proceedings is a time-consuming process. 

  • When the matter is decided by the Tribunal and there no violation of the insurance policy and in case everything is in order, the compensation amount awarded by the Tribunal will be paid by your insurance provider to the third party.

  • Collect photographic evidence, if you can. This should include taking pictures of the accident site, pictures of the injury, damaged vehicle or property. This will also help the insurance company get a clear picture of the accident caused.

  • In case of a claim related to personal accidents, all you need to do is call customer care number and your insurer will take care of the rest. 

  • *T&C apply: The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. ​For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for the product- "A​" Policy for Act Liability Insurance. UIN- IRDAN103RP0003V01200102​.


    Third Party Four Wheeler Insurance FAQ

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    Third Party Four Wheeler Insurance Reviews and Ratings

    Average Rating:

    4.2(Based on 442 ratings)

    Showing 10 reviews

    • “Motor Claim Intimation”

      Overall services are excellent in Reliance General Insurance. I have registered my motor claim through speechbot. Process was good and smooth. I was able to register easily through speechbot without any problems.

      Manish Virmani12 March 2022, Delhi
    • “Motor Claim Intimation”

      Brobot is very good in terms of handling customers. I bought family health insurance from Reliance General Insurance and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Reliance for more plans. I'm very much happy with brobot service where I have a raised a claim for my car. I'm happy with how the claim approval was done. Even price is very less as compared to other insurance company.

      Mr. Kranthi Kumar6 November 2021, Bangalore
    • “Print Policy”

      Reliance General Insurance is one of the trusted company. I have been using my car insurance for a long time and till now I have not faced any problem. Website is maintained in such a way, where I can easily get any information at any point of time. I was looking for policy copy and have downloaded policy copy through portal very easily. Also, I don't need to remember renewal date as they remind me every time through reminder calls and messages.

      Mr.Yazershereef4 November 2021, Bangalore
    • “Health Claim Status”

      The experience with Reliance General Insurance is very good. I have reliance covid-19 protection insurance where they have settled my claim smoothly. They have easily handled my query related to claim. I habe even communicated through email and have recieved a quick response. I made the claim and it was promptly taken care of. Thanks to Reliance for settling my claim in appropriate period of time. I'm very happy with Reliance general insurance.

      Dr Smita Abhijit Gaikwad16 October 2021, Ahmednagar
    • “Good Service and the Process was Pretty Smooth”

      Reliance has given me good service and the process was pretty smooth and easy. Brobot provided a very prompt response to my query and assisted me with the required details. Thank you so much, for providing such time savings service which is most important in todays situation.....Good Job. It was very good Connecting With Brobot.

      ARPIT  DUBEY10 October 2021, Varanasi
    • “Print Policy”

      I was looking for policy copy and then I visited your website to get my policy copy. I have got all the facilities and It has become so easy for us to download policy copy through website. I am really satisfied with overall service. Reliance General Insurance has one of the best website to get the information so fast and smooth. Don't have to wait for the call to get connected in customer care . Thank you Reliance for making the website user friendly .

      Mr. Virendra Yadav8 October 2021, Andheri
    • “Motor Claim”

      It was a brilliant experience with Reliance General Insurance since I have car insurance it was too easy to intimate and track the claim from the mobile app, surveyor also assisted me properly to whom I have submitted my claim documents. He provided clear information in regards to claim also provided all the relevant information on call and guided me with proper procedure of the claim. I am happy with the service provided by the RGI.

      Suresh Patil6 October 2021, Belgaum
    • “Policy Soft Copy”

      It seems that I have got the best motor insurance plan from the website of the Reliance. The plan is attractive in nature and is valuable for me. I got this plan for my commercial vehicle. Brobot has provide me a good response but I didn't got my soft copy. So, I used to brobot and then immediately delivered the soft copy at my mail within few seconds.. Saving paper is urging a go green initate.

      Mr. Viralkumar Navik28 September 2021, Gujarat
    • “Claim Intimation”

      Reliance general insurance has provided me an excellent service. Website is designed in such a way that straight ahead details get loaded immediately. I was able to register my claim easily. Tracking information through website is much more comfortable even I could easily trace my claim status whenever required.Thank you reliance for my claim settlement in appropriate time.

      Mr. Palanivel K28 September 2021, Tamil Nadu
    • “Claim Settled”

      I had an accident last week and my car got damaged due to accident. i had no idea of the claiming process so i contacted the customer care of Reliance General Insuarnce and the executive explained the whole procedure details to me. Had a good experience with reliance through selfi mobile app which is convenient to trace the details regarding my claim at any point of time. This app from Reliance is brilliant and smooth. Thank you Reliance general insurance, I got the fastest claim settlement. Claim is accepted and processed instantly.

      Mr. Yogendra Todkari28 September 2021, Mumbai
    • See all reviews