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Royal Sundaram third-party car insurance ensures legal and financial protection against third-party claims arising due to an accident with your insured vehicle. What’s more, it’s mandatory to have a third-party insurance policy to drive on the road, as per the Motor Vehicles Act, 1988. A third-party liability car insurance policy from Royal Sundaram covers a variety of third-party liabilities. The coverage includes compensation for injuries, death and property damage inflicted to third parties. Property damages to a third party are covered up to Rs. 7.5 lakh, but there is no cap on the amount of compensation in case of injury or death of a third party. But how effective the Royal Sundaram third-party car insurance policy is compared to its comprehensive variant? That we can find out now. Let’s begin!
Also check - Car Insurance Online
Fundamentals | Comprehensive Car Insurance | Third Party Car Insurance |
Coverage | The comprehensive car insurance plan covers all third-party liabilities, the insured car, and the policyholder. | It's a liability-only policy, which means it only covers third-party claims. |
Add-ons | A Royal Sundaram comprehensive car insurance plan includes a number of add-on coverage options. For example, the zero dep add-on cover relieves the policyholder of depreciation liability. | No add-on covers will be offered with the third-party liability policy. |
Cost | Because of the broader coverage, it is more expensive. | Because of the limited coverage, its price is reasonably low. |
Royal Sundaram third-party car insurance covers the following events -
The following are not covered under the Royal Sundaram third-party car insurance:
Following are the benefits of Royal Sundaram third-party car insurance:
You must have a third-Party car insurance policy to run your vehicle on the road.
It is a basic requirement to operate a vehicle. So the premium of such a policy is economical. The third-party insurance policy premium is reviewed by the Insurance Regulatory and Development Authority of India. (IRDAI).
The Indian government has mandated the purchase of third-party car insurance by Royal Sundaram or any other vehicle insurer. The policyholder benefits from Royal Sundaram third-party car insurance in a variety of ways. A Royal Sundaram third-party liability automobile insurance coverage covers a number of third-party liabilities. Compensation for injuries to third parties on the road, property damage to third parties, and unlimited liability coverage in the event of a third party's death are all included in the plan.
Also check - Royal Sundaram Car Insurance Online
No add-on covers will be offered with the third-party liability policy.
You can purchase the Royal Sundaram third-party car insurance policy online. Just visit the website of Royal Sundaram, go to car insurance and buy the third-party policy by paying its premium.
Yes, you will need to keep renewing it on the specified date to make it valid under the law. Else be ready to pay a fine or face an imprisonment if you are caught with an expired Royal Sundaram car insurance policy on the road.