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Third Party Liability Car insurance

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Third Party Liability Car insurance

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Third Party Liablity Car Insurance

​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 to a third party caused when you are at fault.

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 vehicle insurance policy. As per the Indian Motor Vehicles Act, a third party liability cover is a must and a basic requirement under a vehicle’s insurance policy.

How does car third party insurance work?

In order to better understand the concept of third party 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.

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

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, it is of utmost importance that your insurance provider is aware about any accident you are involved in.

What does my​​ policy cover?​


Many people often opt for third party only car insurance policy because they consider them to be cheaper.

A third party insura​nce of car covers for the expenses incurred as a result of the following reasons:

  • Damages to a third party vehicle
  • Damage caused to a third party property
  • Injuries caused to other people in an accident
Some insurance companies charge extra for third party property coverage. This coverage has become a priority these days since cost of repairing damages is high.

​​What does my 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
  • Cover for injuries you suffer in an accident
  • Pay-out for a replacement if your car is written off
It would be wiser to opt for third party motor vehicle insurance if you own an old inexpensive car model, which is cheaper to repair.

Third Party Four Wheeler Insurance FAQ

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Third Party Four Wheeler Insurance Reviews and Ratings

Average Rating:

4.5(Based on 302 ratings)

Showing 10 reviews

  • “Nice car insurance”

    Owned a car insurance policy from reliance general with good benefits like Good Coverage, long list of cashless garage & large claim amount.

    Manan P1 August 2019, Pondicherry
  • “Good service from Reliance Car Insurance”

    I have reliance car insurance policy since 4 year now and also claimed it once. The service was really good and quick.

    Kinjal K21 July 2019, Andhra Pradesh
  • “Required car care for all cars in india”

    After a very long time may be 7/ 8 years I was able to find suitable car insurance plan for my car.

    Parin G17 July 2019, Bhuj
  • “Best brand with huge cashless garage network for car Insurance”

    Reliance have huge cashless garage network in india. The best car insurance I had in my life.

    Riddhi D15 July 2019, Churchgate
  • “Reliance car insurance service is fast”

    Car insurance service is fast and on time with full security and trusted transactions.

    Vandy T8 July 2019, Navi Mumbai
  • “I am satisfied with car insurance claim service”

    Got my car insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

    Rajshree K6 July 2019, Rajasthan
  • “Car insurance at it's best”

    I have found that any claim on Reliance car Insurance policy was promptly attended and judiciously settled to the fullest satisfaction.

    Sachin S4 July 2019, Jodhpur
  • “Thanks for notifying car insurance premium hike”

    Thanks for Notifying regarding premium hike, I renewed car insurance before this premium hike.

    Jay G16 June 2019, Bengaluru
  • “Satisfied with reliance car insurance”

    Reliance car insurance has exceed my expectation. Claim process was quite smooth.

    Shashank S5 June 2019, Darjiling
  • “RIVA rocks! Helped me to purchase car insurance”

    Reliance chat software called "RIVA" helped me to purchase car Insurance

    Raj P2 June 2019, Chennai
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