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Guide to Third Party Two Wheeler Insurance

Written by Udit Varshney
Updated On Jul 27, 20212 min read

Third-party liability insurance covers harm, loss, injury, or death to a third party as a result of a mishap. You can also purchase liability-only two-wheeler insurance online. Other than the policy proposer and the insurer, this form of insurance cover is for the benefit of third parties.

The Motor Vehicles Act of India needs a third-party Two-Wheeler insurance check. Without third-party insurance, no two-wheeler vehicle is permitted to operate on the lane. It should be noted, however, that this form of insurance does not offer any personal security. Getting third-party two-wheeler insurance isn't intended to secure your own bicycle. This is specifically intended to cover your legal responsibilities for collateral damage, vehicle failure, or injury and death of third parties caused by your two-wheeler in the event of an accident.

Guide to Third Party Two Wheeler Insurance

What is Covered Under Third Party Two Wheeler Insurance?

On the basis of liability Two-Wheeler insurance coverage, two-wheeler insurance third party can be divided into two groups:

  • Property Damage To Third Parties

This form of third-party insurance protects any property damage incurred by the policyholder's car. This compensates the third party for any harm or loss of their property.

  • Physical Injury Or Death Of A Third Party

This type of third-party Two-Wheeler insurance assesses the policyholder's legal responsibility for physical injury or death to a third party caused by the insured vehicle in the event of an accident. It is responsible for the third party's hospitalisation, medical bills, work loss, and other expenses.

Importance of Third Party Two-Wheeler Insurance

A road accident can cause significant damage to your beloved two-wheeler, or even result in its total loss. On top of that, your car has the potential to cause damage to other cars, belongings, and even injury or death to others in your immediate vicinity. Aside from the cost of fixing your own car, the liability you will be expected to pay for the loss and suffering of others as a result of an accident is vast and beyond comprehension.

Benefits of Third Party Two-Wheeler Insurance

Purchase third-party two-wheeler insurance and receive the following benefits:

  • Two-wheeler third-party liability insurance covers damage to a third party caused by the car. The policy covers the costs of a third-party lawsuit for property loss or injury.
  • This third-party bike policy verifies the third-legal party's liability for bodily injury in the event of an accident with the insured vehicle. In the event of an accident caused by the insured car, third-party insurance guarantees to cover the costs of medical assistance, hospitalisation, and recovery for the third party.
  • Third-party liability for death and partial or full injury to third parties incurred by the insured two-wheeler after an accident is often protected by two-wheeler insurance.

Limitations Of Two-Wheeler Third Party Insurance

  • Only a particular geographical region is protected by third-party Two-Wheeler insurance. If an accident happens outside of the specified geographical region, the insurance provider is no longer responsible for third-party claims. In that scenario, the two-wheeler owner is solely liable for compensating the third party for their loss and injury.
  • Furthermore, if the two-wheeler operator cannot produce an effective driver's licence or is driving without one, the bike insurance provider would not be liable for paying out the third-party liability after an accident. In that case, the driver of the two-wheeler vehicle is solely responsible for all costs associated with third-party damage repair, loss compensation, medical assistance and hospitalisation costs, and so on.

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Third-party Two-Wheeler insurance plans, like other two-wheeler insurance plans, can be bought through the online site of the chosen bike insurance company. You can now purchase and renew your two-wheeler third-party insurance online from the comfort of your own home, rather than running to your insurance agent or broker.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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Written by Udit Varshney
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 Udit has built B2C segments across various industries and has had significant contributions to the insurance sector. Udit in his last stint helped set out the last mile vertical, which soon became the go-to logistics name for daily needs, In his free time, Udit likes to write and listen to poetry.

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