New India Third Party Car Insurance

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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

    Basis

    Third Party Car Insurance

    Comprehensive Car Insurance

    Coverage

    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.

    Cost

    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.

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      very good , excelent experiance, insurance dekho is very good exaperance for four wheeler car insurance dfas...

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      Excellent services offered by InsuranceDekho's team. I am satisfied with them and my policy and will recommend...

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      InsuranceDekho did not ask for any hidden cost while I was issuing New India car insurance policy for Toyota Y...

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    • Great experience

      It was great to have insurance of car in 5 minutes. Operating with the site was very user friendly and all det...

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      On: May 8, 2021
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      After buying a Mahindra Verito, I was looking for a basic car insurance policy with an affordable premium. Bei...

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      On: June 21, 2021
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      S
      By Subhendu Kayal
      On: June 14, 2021
    • Easily comprehensible policy p...

      The policy provisions mentioned on InsuranceDekho are easily comprehensible. The clauses offered by New India ...

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      By Anil Pandey
      On: June 7, 2021
    • User-friendly website

      I issued a New India car insurance policy for the Jeep Kaiser from InsuranceDekho. The website is my personal ...

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      By Karishma Mehta
      On: May 31, 2021
    • Customer satisfaction ...

      Excellent services offered by InsuranceDekho's team. I am satisfied with them and my policy and will recommend...

      Read More
      R
      By Rajkishore Mahato
      On: May 26, 2021
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      A
      By Angan Verma
      On: May 24, 2021
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      By Swapnil Bhaduri
      On: May 17, 2021
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      By Anurupa Chowdhury
      On: May 10, 2021
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    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.