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Key Features:
  • Covers Third Party Person
  • Covers Third Party Property

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New India Third Party Car Insurance

A third-party car insurance covers a vehicle owner against any legal liability due to damages caused to third-party. Having a third-party liability cover is mandatory as per the Motor Vehicles Act, 1988 and needs to be renewed periodically. New India Assurance company offers a ‘Liability only policy’ that covers injury/death of third-party and property damage.

However, this plan does not insure your own vehicle. The limited coverage also makes this policy inexpensive compared to a comprehensive plan. In case of third party damages, claim amount is directly paid to third-party without involving the policyholder.

New India Third Party Car Insurance vs Comprehensive Car Insurance


Third Party Car Insurance

Comprehensive Car Insurance


It offers coverage against legal as well as financial liabilities arising towards the third party only.

It gives coverage for liabilities towards third parties as well as for the own-damages of the insured’s car.

Nature of Requirement

It is compulsory to carry as per the Indian Motor Tariff.

It is an optional plan buying which depends on the choice of the policyholders.

Add-ons Availability

No add-on option available along with third party policy.

A range of add-ons are provided to the policyholders along with this plan.


It has limited coverage which makes it economical for the policyholders.

It offers extensive coverage which makes it come with a relatively higher premium.

What All Is Covered Under New India Third Party Car Insurance Policy?

The New India third party car insurance policy gives coverage for the following:

  • Financial liabilities of third party property damage: This policy gives coverage for any property damage of the third party occurred with the involvement of the insured’s car. The insurer offers coverage for the third party property damage up to Rs. 1 Lakh.
  • Bodily injuries or loss of life of the third party: The insurance company gives compensation for bodily injuries, disability or death of the third party caused in any accident with the insured’s car. The compensation, however, is decided by a court of law.

What All Is Not Covered Under New India Third Party Car Insurance Plan?

A third party insurance plan is compulsory to be carried by every car owner. It is beneficial to cover the third party expenses, but holds a limited coverage. Below are some important points which are not covered under the third party insurance policy:

  • No coverage is given for injuries suffered by customers.
  • No coverage is offered for damages caused to the insured car.
  • Optional personal accident plans for policyholders is not provided.

Must Read Articles before buying New India Car Insurance

New India Car Insurance User Reviews

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What users are saying
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  • Smooth Insurance Purchase Proc...

    Buying New India Car Insurance through InsuranceDekho was a breeze! Their team helped me choose the right cove...

    By Vinita Kumari
    On: March 6, 2024
  • A Necessity, Not an Option

    I used to think that own damage coverage was optional, but after experiencing InsuranceDekho's service, I no...

    By Hitesh Rastogi
    On: November 24, 2023
  • Peace of Mind on the Road

    I am glad that I insured my Ford with the New India Car Insurance Policy. InsuranceDekho's network of cashle...

    By Vishal Gopal
    On: November 15, 2023
  • Protection for Every Drive

    I am a satisfied customer of the New India Car Insurance Policy. InsuranceDekho's own damage insurance offer...

    By Ruhu Handa
    On: November 9, 2023
  • Trustworthy Claims Partner

    I recently had to file a claim for my Nissan car. InsuranceDekho has earned my trust as a reliable and trust...

    By Shilpi Ahuja
    On: October 17, 2023
  • Renewed Satisfaction

    I renewed my car insurance with InsuranceDekho, and once again, they've met my expectations. Their New India...

    By Kishore Pala
    On: September 29, 2023
  • Simplified Premium Calculation...

    I appreciated how InsuranceDekho simplified the premium calculation process for the New India Car Insurance ...

    By Deepa Dadlani
    On: September 21, 2023
  • Great Value for Money

    I believe InsuranceDekho's third-party car insurance offers great value for money along with the New India C...

    By Aditya Raj
    On: September 14, 2023
  • Effortless Claims with Cashles...

    Filing a claim with InsuranceDekho's cashless garages for my New India Car Insurance Policy was effortless. ...

    By Swati Jain
    On: September 12, 2023
  • Helpful Add-Ons for Enhanced P...

    I love the add-on options of own damage coverage that InsuranceDekho offers with the New India Car Insurance...

    By Gaurav Negi
    On: September 8, 2023

259 New India Cashless Garages in India

New India Third Party Car Insurance FAQs

  • Why do I need to purchase a third-party liability insurance policy?

    First and foremost, a third-party liability insurance policy is mandatory as per law. Secondly, it insures your vehicle against third-party liabilities that include injury/death of a person and even property damage. Moreover, the liability only policy sold by New India Assurance also offers personal accident cover to policyholder.

  • What is not covered under a third-party liability policy?

    Generally, third-party liability policy does not cover the vehicle itself against any sort of damage.. New India third party car insurance also insures the policyholder (in case personal accident cover is opted for).

  • Can I renew my policy online?

    Yes, you can renew your car insurance policy online via debit/credit card or net banking. Place a call at 7551196989 (Insurancedekho) to know the process in detail.

  • Is there any way to get a duplicate copy of my car insurance policy?

    Yes, if you have lost your policy, then you can avail a duplicate copy of same against a minimal charge. You need to submit a written application to the company in order to avail a duplicate copy.

  • Is it necessary to lodge an FIR after an accident?

    Yes, it is necessary to lodge an FIR at the nearest police station and a copy of the same needs to be submitted to the company.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.