Is third-party car insurance mandatory?

Yes, it is the minimum insurance coverage you must have to drive your car legally in India. Not having at least a third-party insurance can lead to hefty fines or even imprisonment.

What happens if I am caught driving without a third-party insurance policy?

Traffic police in the country have the right to stop you and ask you to show the necessary documentation. At this time, if you cannot show a valid insurance policy, you will be subjected to a fine of at least ₹2,000. Depending on your driving record, you may also have to face imprisonment.

If you claim for third-party car insurance, will you lose your no claim bonus?

A no claim bonus benefit applies only to making claims for damages to your own car. Since a third-party policy does not cover own damages, you cannot have a no claim bonus. Moreover, no claim bonus is an add-on benefit that can only be availed with a comprehensive policy.

Is third-party insurance enough for my car?

The adequate insurance coverage depends on the car. Hence, every car has a different set of coverage needs. If you are only trying to avoid paying traffic fine by keeping your paperwork proper and don’t mind paying for the repair costs when your car gets damaged, a third-party insurance is enough for you. Otherwise, you should go for a comprehensive policy.

What happens if I meet with an accident in a different city/ state?

A third-party policy is active wherever you can drive a car within India. Hence, if you meet with an accident in another part of the country, you can still make a claim.

What is the maximum compensation offered as part of this policy?

There’s no limit on the coverage for third party death or injury. Your third party policy will cover the amount decided by the court. The maximum compensation offered by a third-party policy for property damage is ₹1 lakh.

What documents should I submit when raising a claim for third-party car insurance online?

Unless the situation requires it, you do not need to present any documents while making a claim. However, at the time of assessment by the Motor Vehicles Tribunal, you have to provide a copy of the FIR made by the third-party regarding the incident.

Is there a better policy than a third-party liability policy?

If you want all-rounder coverage for your car, then a third party liability policy is not enough, as it doesn’t cover any damages to your own car. An own damage or a comprehensive policy comes with a host of other features like no claim bonus, range of add-ons to choose from, customisable coverage and more.

Is it possible to renew a third-party car insurance policy online if I had purchased it offline?

Yes, you can renew your third-party car insurance policy online at the ICICI Lombard General Insurance website or the ILTakeCare mobile app.

What happens to my third-party car insurance policy if I sell my car?

A car insurance policy is bought for a car instead of an individual. Hence, if you sell your car to someone else, the insurance policy must be transferred to the new owner along with it. However, you have to make sure you carry out the proper paperwork to transfer the ownership of the car so that in case of an accident later, you are not held liable.

Does the model of my car matter while buying a third-party policy?

A third-party policy has its coverage based on the cubic capacity of the engine of the car. Since different cars can have different cubic capacities, the premium for the policy can differ based on it. However, the coverage remains uniform across all car models.

Who handles the cases filed for third-party claims?

The case filed for third-party claims is handled by the Motor Vehicles Tribunal. It is a court of law that deals with issues regarding the right amount of compensation, investigation of the incident, etc.

Is there a time limit before which one has to file a claim?

It is better to claim as soon as possible after the accident. File a claim within 24 hours of the incident by calling us on 1800 2666.

How does third-party car Insurance work for private vehicles?

A private vehicle is one that is owned and used by an individual. By law, it is the sole property of that individual. A third party insurance protects car owners from any liabilities arising out of an accident involving their cars. It covers third party property damages up to 1 Lakh. It also gives unlimited coverage for third party injuries/death; the actual amount is decided by the court.

How does third-party car insurance work for commercial vehicles?

A commercial vehicle includes cars used for employee transportation, trucks used for transporting goods, etc. These vehicles belong to a business entity instead of one person. However, third-party policies cover cars instead of car owners. Hence, buying third-party plans for commercial vehicles is almost the same as buying one for a private vehicle. The terms and conditions of the policy are the same. However, there can be differences in coverage, premium, and purchase process.

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What is third-party motor insurance?

Third-party motor insurance, or third-party liability insurance, is a form of coverage that helps you manage legal or financial responsibilities resulting from an accident. This insurance safeguards against damages or losses caused to a third-party individual, vehicle, or property. However, it does not provide coverage for damages to your vehicle.

Driving without a valid third-party motor insurance policy can result in significant penalties, including hefty fines and potential imprisonment in certain cases. Additionally, you would be responsible for all financial and legal consequences from any incidents while driving uninsured.

Importance of third-party motor insurance

Avoid paying traffic fines
To stay on the right side of the law, ensure you have a valid third-party motor insurance policy. If caught without one, you risk either paying a ₹2000 fine or facing imprisonment for up to 3 months for the first offense. Subsequent violations will result in a ₹4000 fine.
Avoid paying for others' damages
Third-party motor insurance offers one of the most affordable insurance plans. While it doesn't cover damages to your vehicle, it shields you from having to pay a substantial sum of money as compensation for damages caused to third parties in an accident involving your car.
Get legal support
Under this policy, we will provide legal support for your defense proceedings in a court of law if required.

Why is third-party motor insurance mandatory in India?

In India, purchasing third-party motor insurance is a requirement when buying any vehicle. The Motor Vehicle Act, mandates having valid effective and compulsory third party insurance to ply a motor vehicle on the road. . . Compliance with the law necessitates obtaining a policy. But have you ever wondered why this rule exists?

Every time you hit the road, there's a chance of getting involved in an accident. In such events, there's the possibility of damage to your vehicle and personal injury. To mitigate these risks, individuals procure motor insurance policies. Yet, insurance serves a broader purpose beyond mere legal compliance. In accidents involving others or their assets, damage can occur in both directions.

It's not just about protecting yourself; it's about protecting others too. This implies that both you and the other party face potential risks. Consequently, purchasing third-party motor insurance becomes imperative to address any harm or damage that might affect another individual or their property in an accident involving your vehicle.

Sum insured for content + structure	Product code	UIN no.
Private car liability only policy	3001/A	IRDAN115RP0012V01200102
Two wheeler vehicle liability policy	3005/A	IRDAN115RP0016V01200102
Good carrying vehicle liability policy	3003/A	IRDAN115RP0013V01200102

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Third-party motor insurance

What is third-party motor insurance?

Importance of third-party motor insurance

Why is third-party motor insurance mandatory in India?

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