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The Motor Vehicles Act, 1988, mandates that every car owner in India has third-party insurance. You can buy this insurance from companies, such as National Insurance, for third-party damages. However, you can’t get any financial assistance for yourself and your car damages from National third-party car insurance. However, this doesn't lessen the importance of third-party insurance. This is because it protects you legally as well as financially in case you end up hurting a third party or the concerned’s vehicle in a road mishap. Read on to more about National Insurance third-party car insurance.
The mechanism of National third-party car insurance is as easy as it can get. In an event where you (the insured/ policyholder) cause a mishap and hurt a third party severely or end up damaging the vehicle of the concerned person, you can raise a claim. After National Insurance conducts the necessary inspections, you get the required financial help in terms of legal as well as monetary liabilities.
Third-party Car Insurance | Comprehensive Car Insurance |
Only third-party liabilities are covered. | Third-party as well as personal liabilities are covered. |
No add-ons are available. | Add-ons are available. |
Low premium costs. | Premium costs are high. |
Mandatory by law. | Not mandatory by law. |
Here are the things that your National third-party car insurance will provide coverage for:
Here is a list of events where your National third-party car insurance won't extend any help:
There are two ways by which you can purchase National third-party car insurance. These include the online and offline procedures. Here is what you need to do if you wish to buy the policy online:
Your policy will get active, and you can enjoy the benefits.
You can purchase a National third-party car insurance policy by following these steps -
Buying National third-party car insurance brings with it several benefits:
Buying third-party car insurance from National Insurance can prove to be one of the best decisions of your life. The company not only ensures a hassle-free buying procedure but also has an active customer service team. Your claims are heard on time, and you receive the necessary assistance within the stipulated time.
Any car owner who wishes to protect his/her vehicle can buy National third-party insurance.
In such a scenario, you'll have to pay a fine. Therefore, it's always advised to buy insurance.
No. third-party insurance doesn't allow adding riders to the base policy.
Third-party insurance is less costly than comprehensive insurance because the former provides very limited coverage compared to the latter.
A National third-party car insurance policy covers property damage of the third person for up to INR 7.5 lakh. Whereas bodily injuries, disability or death of the third party do not have a predefined coverage limit as the court decides the compensation amount for the same.