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 Claim Process
1.Intimate the insurer
Inform company about accident/theft and furnish them with all the details available with you along with the claim form.
2.Lodge an FIR
File an FIR at the nearest police station in case of injury/death of the person. A copy of the same should be submitted to the company.
Submit duly signed claim form, FIR and all relevant documents to company for verification.
4.Seek medical help
Always try to provide the first-hand medical help to the person injured in the accident and keep receipts of the expenses incurred during the same.
5.Leave rest to the company
After submission of report by surveyor an
Benefits of New India Third Party Insurance
It is mandatory for every vehicle owner to insure his/her vehicle against third-party liabilities, as per Motor Vehicles Act. The benefits of ‘liability only policy’ offered by New India Assurance are as follows:
- A third-party car insurance covers policyholder against expenses due to third-party involved in an accident.
- It pays for injury/death of third-party and even covers any damages incurred to third-party property.
- The claim amount is directly sent to third-party without involving policyholder in-between.
- Owing to the limited coverage policy, a third-party cover policy is generally cheap.
- New India Assurance also offers personal accident coverage in its ‘liability only policy’.
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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 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.