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Third Party Liability Car insurance

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Third Party Liability Car insurance


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


Third Party Four Wheeler Insurance Reviews and Ratings

Average Rating:

4.4(Based on 314 ratings)

Showing 10 reviews

  • “Never knew it was so easy!”

    I always used to purchase my car insurance through my agent who would take his commission fee. But this time I bought it online on RGI website and it was a very smooth process. Now I will get car insurance for my other cars also from reliances website

    Deelip L15 March 2020, Mumbai
  • “Easy and Quick Car Insurance”

    Browsed many websites to buy car insurance but reliance had the best value for money insurance providing good coverage for my car at a reasonable premium

    Akshay W7 March 2020, Delhi
  • “Reliable car insurance plan”

    I purchased a car insurance policy for my 4 wheeler which covered the cost for repairing the damages in an accident. Would recommend everyone to get a comprehensive plan

    Amir S11 January 2020, Dhamtari
  • “Good offers for car insurance”

    Good policies for different car models. I took a quote for the two cars I have and received a good offer. Purchasing the policy was very easy and fast

    Sagar G17 December 2019, Bangalore
  • “Car insurance totally worth it”

    Right from the buying process to settling the claim, I had a very good experience with reliance. Go for it!

    Riyaz C2 October 2019, Delhi
  • “Fast access bike insurance”

    All the necessary aspects are covered by Reliance in the two wheeler insurance policy.The policy can be purchased within minutes online.

    Tasneem G18 September 2019, Airoli
  • “Satisfied by the insurance for car from Reliance”

    I chose the basic car insurance as it is my personal car and it covers everything that is needed.Can be purchased easily online

    Hazel F14 September 2019, Nainital
  • “Fast and easy car insurance”

    Covers everything and explanation given in detail for all types of car insurance which helped me choose well.

    Ronak S1 September 2019, Vizag
  • “Good car insurance policy”

    Fair price and easy application procedure for car insurance.Customer service is good as well

    Jay K24 August 2019, Ahemdabad
  • “Car insurance customer support is actually helpful”

    They actually know the needs of the customer and without wasting any time they gave me the best fit plan in such an affordable price. Good going Reliance car insurance

    Akash S20 August 2019, Baroda
  • See all reviews