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Protecting yourself against any monetary loss due to an unfortunate event is as important as your car. As per the Indian Government, under the Motor Vehicles Act 1988, every vehicle owner must own a valid vehicle insurance policy. A third-party insurance is required as mandatory as it protects the interests of the vehicle owner against third-party legal liabilities. The New India third-party car insurance is an ideal choice when it comes to buying a secure and hassle-free car insurance policy.
The best part is that you can buy New India 3rd party car insurance online in some simple steps.
Imagine how peaceful it is not to worry about finances in case your car accidentally causes damage to a third-party. That's what third-party car insurance does for you. New India car insurance provides basic financial coverage to the car owner against third-party liability in case your car causes any damage or loss to the third-party passenger or vehicle. This third-party insurance policy provides cover to the policyholder from third-party liability such as death, bodily injury, property damage, etc., arising due to an accident while driving your four-wheeler.
The only drawback of buying only a third-party insurance is that there is no coverage for own damage incurred by the policyholder or their vehicle. Any such damage would be paid for out of the policyholder’s own pocket, and not by the insurer.
Basis Of Difference | Third Party Car Insurance | Comprehensive Car Insurance |
Coverage Extent | Third-party insurance only covers the damages incurred by the third-party. | Comprehensive car insurance provides complete coverage for third-party and own damages. |
Availability of Add-ons | Add-ons cannot be purchased with a third-party policy. | Add-ons can be purchased with a comprehensive policy. |
Cost Effectiveness | More cost effective as the coverage is limited. | Less cost effective as the coverage is quite extensive. |
Requirement | Required as a mandatory inclusion with buying a car. | Not a compulsory requirement by the governemnt. |
You can buy a New India third-party car insurance policy online or offline. The steps for the same are given below:
New India third party car insurance policy covers the following risks:
New India third-party car insurance policy does not cover the following:
The following are the benefits that you can enjoy after buying a New India car insurance policy:
The claim ratio of the New India third-party car insurance is very good and well versed. They readily help the customers to settle their claims on time and to get the best-in-class claim.
Yes, New India third-party car insurance is mandatory to buy as per Motor Vehicles Act, 1988.
Any car owner whose vehicle is registered with his or her name in the Regional Transport Authority of India is eligible to buy the New India third-party car insurance.
New India third party car insurance policy cost depends upon the following factors:
While filing your New India third-party car insurance claim, the insurer will expect the following documents-
For that, you need to inform the insurer that you have met with an accident that caused the third party's loss/damage/injury and provide the information such as the date and time of the event, details of insurance and policyholders involved, photographs of the incident, eyewitnesses, etc. The insurer will assess all evidence and documents to settle the claim with a third party accordingly.