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Third Party Car insurance

Third-party liability insurance, also known as third-party car insurance, is a type of car insurance that protects you against any third-party liabilities that may arise while driving an insured vehicle. It provides coverage against losses or damages caused to a third-party person or property. It also covers third-party bodily injury or death.

For example, if your car caused any bodily harm to another person in an accident, then third-party liability insurance can help you pay for that person's hospitalisation costs. Similarly, this insurance policy covers the costs to repair the third-party property damage caused by your vehicle. That's not all. Third-party liability insurance also covers the cost of legal expenses that you may have to incur due to an accident.

It is important to note that third-party liability insurance is a mandatory type of car insurance in India. As per the Indian Motor Vehicles Act, 1988, you need to have a valid third-party car insurance coverage to legally drive a vehicle on Indian roads to ensure financial protection for third parties.

Third-party liability insurance

How Does Third-Party
Car Insurance Work?

Third-party car insurance is mainly focused on how your insurance company covers the costs for the damages caused to the third party if you are responsible for an accident. To understand how third-party car insurance works, it is imperative to break down the meanings of all the parties involved in the insurance universe, namely:

  • First party: The person whose car is insured, i.e., the policyholder or the car owner is the first party.
  • Second party: The entity that agrees to cover liabilities, i.e., insurance provider is the second party.
  • Third party: The person who incurred damages due to an incident caused by the first party is the third-party.

If you find yourself in a car accident, you must inform your insurance provider about the incident at the earliest. If you are deemed responsible for the accident, and the third-party driver also considers you responsible, you can expect the third-party to file a claim against you. The financial liability of the claim will be borne by your insurance provider.

Key Features Of
Third Party Liability Insurance

Third-party liability insurance offers car owners a range of valuable features that provide financial protection in case of accidents or damages caused to others. You can enjoy the following features with the third party car insurance policy:

Cashless claims

Your insurer typically has tie-ups with several garages. A third-party involved in an accident can get their damaged vehicle repaired at any of the cashless garages. You need not pay for the repairs from your own pocket. Your insurer will settle the bills with the garages directly.

Affordable premiums

Base premium rates for third-party liability insurance are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The rates differ across the engine displacement values. A low engine displacement will have lower premiums and contrariwise.

Hassle-free buying process

You can purchase the third-party car insurance online within a few minutes using your smartphone. Additionally, you can buy the policy online through the Reliance General Insurance website.

High coverage for vehicle or property damage

For any damage caused to someone's vehicle or property due to your insured car, third parties can get up to Rs 7.5 Lakh in claims per a mandate by the Insurance Regulatory Development Authority of India (IRDAI).

Unlimited liability for personal damage

For third-party liability insurance, the liability for personal damage caused to third-party persons in the form of injuries is unlimited. The insurer covers all medical expenses, regardless of the cost.

Are your hospital bills higher than the coverage you're eligible for? Invest in Health Insurance Plans with Reliance General Insurance so you never have to worry about hospital bills.

What Are Benefits Of
Third-Party Car Insurance?

Having third-party car insurance offers a range of benefits that ensure legal compliance, financial protection, and peace of mind. Let's explore the advantages in detail:

Legal compliance

By law, it is mandatory to insure your car with at least a third-party liability insurance. If you get caught by the authorities for driving a car without insurance, you have to pay a hefty fine. Violating such laws can also lead to imprisonment for up to three months. Thus having a third-party insurance gives you peace of mind that you are following the law and will not attract fines.

Protection from liabilities

Accidents can happen despite your best efforts to drive safely. If you are responsible for causing injuries or damage to a third-party person or property, you have to bear the costs of such liabilities. With third-party liability cover, your insurance provider will bear these expenses on your behalf, protecting you from unwarranted financial losses.

Coverage for personal injuries

Your insurance plan also comes bundled with a mandatory personal accident cover to help manage your hospitalisation and treatment expenses. You may also be eligible for a monetary cover in case of accidents leading to permanent disability. The policy also includes a death benefit paid out to the policyholder's family in case of the policyholder's death in an accident.

Coverage for third-party property damage

During an accident, your car may collide with another vehicle or cause damage to someone's property. If that happens, you shall be liable to pay for expenses to repair the damages. The cost of repairing damages can put a massive dent in your pocket. Your third-party liability insurance can take care of such expenses on your behalf.

Coverage for third-party injuries

If your car causes injuries to a third-party, you become liable to pay for their medical expenses. These may include hospitalisation, doctor's fees, medications, tests, etc. Per the terms of the third-party car insurance plan, the insurer bears the costs associated with third-party hospitalisation and medical expenses.

Third Party Car
Insurance Rates

The cost of third party car insurance is standardised by the IRDAI, i.e., it remains the same across all insurance providers. W.e.f. 1st June 2022, the base premium for third party liability insurance is as follows:

For private cars:

Engine capacity Premium for one year (Rs) Single premium for three years (Rs)
Up to 1000 cc 2,094 6,521
Above 1000 cc up to 1500 cc 3,416 10,640
Above 1500 cc 7,897 24,596

For electric cars:

Battery Premium for one year (Rs) Single premium for three years (Rs)
Up to 30 kW 1,780 5,543
Above 30 kW up to 65 kW 2,904 9,044
Above 65 kW 6,712 20,907

Third-party car insurance costs are typically lower than those of a comprehensive car insurance plan. The IRDAI determines the third party car insurance rates and revises it from time to time. You can contact Reliance General Insurance to get an estimate of your insurance costs based on your vehicle's make, model, type, etc. This is a basic, limited liability policy, which means you cannot customise it with additional riders.

Protect yourself, your passengers and your car. Invest in Comprehensive Car Insurance Plans with Reliance General Insurance to enjoy all-encompassing coverage.

What Does a Third-Party
Car Insurance Policy Cover?

A third-party car insurance plan covers policyholders 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 Lakhs

Calculate your premium easily with our 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 car insurance renewal online.

Things To

While third-party car insurance is mandatory by law, you need to keep in mind the following:

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

Natural calamities, including floods, tsunamis, earthquakes can also seriously damage your car's engine and other vital components. However, third-party plans do not cover damages caused due to natural elements and Acts of God.

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
    • Simple, fast and hassle-free claim settlement process

Did you know that you can take your car on long-distance trips, beyond the country's borders? Protect your international road trip with travel insurance plans from Reliance General Insurance!

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:

  1. 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. If a third-party gets injured during an accident because of your vehicle, then 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.

  2. 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.

  3. 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.

  4. 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.

  5. When the matter is decided by the Tribunal and there is 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.

  6. 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.

  7. 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.

Whatever your insurance requirements may be, you never need to look beyond Reliance General Insurance. Choose from a range of vehicle, health and travel insurance plans and secure your finances.

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Prabodh Chugh

“Fully satisfactory service”

14 September 2022, Karnataka

I called your contact center for motor claim intimation. They provided me excellent service regarding my query. Also, survey has been done on time for my claim. I am really satisfied with the services of Reliance General Insurance.

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Ogifa Khatun

“Satisfied with the services of Reliance General Insurance”

16 August 2022, Assam

I am policy holder of Reliance General Insurance. Whenever I need Motor, Health or any other insurance, first I choose Reliance general Insurance. Also, I always refer my colleagues with the same. Reason behind this is the services are excellent. Till now I haven't not faced any kind of problem in terms of services with your company.

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Rahul Bagde

“Services are excellent”

2 July 2022, Delhi

I have a motor policy with Reliance General Insurance from last 3 years and I did not face any kind problem in services. Recently, I renewed my policy. Also, received policy copy on my email id immediately. I am very Happy with the services of Reliance General Insurance.

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Abbas Valliambaliyasana

“Happy with the services of Reliance General Insurance”

30 June 2022, Gujarat

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.

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Manish Virmani

“Motor Claim Intimation”

12 March 2022, Delhi

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.

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Mr. Kranthi Kumar

“Motor Claim Intimation”

6 November 2021, Bangalore

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.

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“Print Policy”

4 November 2021, Bangalore

*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.

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