Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Third Party Motor liability Insurance Policy

Third-party liability insurance policies provide coverage against death or bodily injuries sustained by a third party, damage caused to a third party’s property, and accidental death/permanent total disability of the driver of the vehicle.
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Essentially, third-party motor liability insurance policy protects you against the legal liability arising from your vehicle’s participation in an accident that led to the injury, death or extensive property damage of an arbitrary third party. Thus, third-party insurance for cars brings you protection against unforeseen circumstances and peace of mind. In most cases, third-party covers offer compensation for a victim’s injuries, pain and suffering, and lost wages. The property damages suffered by a third party are also covered with this insurance. In case of death, the victim’s family can file a claim for compensation.

What is Third-Party Liability Insurance?

Third-party insurance is a form of liability insurance in which the insured purchases a policy for protection against the claim of a third party. Third-party Motor Insurance policy is a must for automobile owners to protect themselves against the claims of a third party if a vehicle meets with an accident.

Third-Party Motor Insurance Policy Overview:

Third-party motor liability insurance is usually part of the main car insurance policy. An important clause, some insurers may also offer this as a standalone add-on cover. This works out well for the penny conscious customer as the cost of a comprehensive car insurance policy is always much higher than a stand-alone third-party cover. In India, third-party insurance for private cars is offered by all car insurers, as it is mandatory, and is usually an essential requirement when people seek out car insurance policies. Again, third-party motor insurance online- signing up for, and/or renewing existing policies is the latest technologically minded update in this insurance speciality.

According to the Indian Motor Vehicles Act, third-party liability cover is a statutory requirement. Aptly, the concept of ‘third party’ arises from the fact that the principal beneficiary of this policy isn’t the original policyholder, or the insurance company, but an affected third party. Herein, this thoughtful policy will cover for the financial liability incurred by the car owner in the unfortunate event of the death or permanent disability of the third party that was impacted by the policyholder’s vehicle in an accident. In principle, IRDA calculates the compensation due to the victim on the earning capacity of the latter.

Motor Third-Party Insurance Premium Rates 2017:

Applicable from April 1, 2017, the policy premium rates pertaining to Third-Party Motor Insurance have been updated. The new third-party insurance rates for private cars are as follows-

Condition Relating to Engine Capacity Applicable Premium Rate
Not exceeding 1000cc 2055
Above 1000cc but lower than 1500cc 2863
Exceeding 1500cc 7890

* applicable from 1st April 2017

Why subscribe to a third party motor liability insurance? The features and benefits are listed below.

Features & Benefits Of Third-Party Insurance Policy For Cars:

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A standard third-party insurance for cars, takes care of the following in the event of your vehicle’s participation (or causal) of an accident, that resulted in-

  1. Death or bodily injury to a third party.
  2. Damage to third-party property.
  3. Accidental death of the vehicle’s Owner or Driver.
  4. Permanent Total Disability suffered by vehicle’s Owner or Driver.

Obviously, the benefits arising from such a clause in your car insurance policy are central to your core expectations. In simple words, the following benefits are part and parcel of this feature-

Peace of Mind- Doling out large sums of money to an affected third party, while dealing with this traumatic situation that completely hinges on financial payments could be stressful. A dedicated policy in this regard will save you the mental anxiety.

Hassle Free and Time Saving- With an option to buy or renew third-party motor insurance online, the process is infinitely faster, simpler and completely dependent on your timing and convenience.

Cost Effective- The inclusion of the third-party motor liability insurance component in the overall policy, as either an add-on or part of the core policy, is very cost effective in relation to its intended use.

24x7 Availability- Another advantage of applying for or renewing third-party motor insurance online is that the same is available 24x7, 365 days a year on the online portal. None of the usual constraints as associated with the traditional offline methods, plays a part here.

Thus, as the axiom goes- Third-party motor liability insurance policy is the cake, and the option to pay this third-party car insurance premium online, the cherry on top of it.

Limitations- What isn’t Covered Under Third-Party Motor Insurance Policy:

Just as in the main car insurance policy, the standard third-party insurance isn’t applicable under certain circumstances. Listed below are some of these conditions-

  1. Accidental loss/damage/liability sustained outside the specified geographical area.
  2. Claims that arise out of any contractual liability.
  3. The usage of the car that is not in line with the commonly stipulated ‘Limitations as to Use’.
  4. The vehicle was being driven by someone who isn’t the owner or designated driver.
  5. Accidental loss/damage incurred by the third party that has resulted from any consequential loss.
  6. Liability, directly or indirectly caused by radioactive contamination or nuclear weapons.
  7. Loss, damage and/or liability caused by war, invasion and other warlike operations.

The above list details the most common exceptions. For a comprehensive list, check your policy documents.

Claim Settlement for Third-Party Car Insurance:

When there is an accident, both parties are likely to have third-party insurance cover since this is mandatory in India. If a car owner is involved in an accident without any insurance, it could turn out to be a costly mistake even if he or she is not at fault. A comprehensive car insurance policy entitles you to make a claim for the damages caused to you and the third party. If you only have third-party cover, you cannot make a claim for the damages caused to you during an accident. If you are the victim of an accident, you can file for third-party insurance from the insurer of the vehicle that caused the damage. The claim process usually takes the following course.

  • Reporting the incident to the police and getting a charge sheet for the accident
  • Approaching the Motor Accident Claims Tribunal and filing a case
  • Fixing liability after hearing both sides and examining the available evidence

If the tribunal rules in your favour, you get compensated for the damages sustained in the accident. Making a claim after an accident is a complex process that requires some level of expertise. If you are not able to approach the tribunal on your own, you can get the help of a qualified lawyer to plead your case.

Important Considerations When Making a Third-Party Car Insurance Claim:

There are certain factors that every claimant must consider before filing for compensation under third-party insurance. They are as follows:

  • In an accident, the victim must establish negligence by the opposition party. Hence, it is important to gather evidence before filing for the claim.
  • In order to make a third-party claim, the accident must be reported immediately to the police and the insurance company.
  • A favourable ruling does not entitle a claimant to get the full amount of settlement that is filed in the claim. The court will decide the right amount suitable for compensation.
  • Minor damages to the vehicle can be settled out-of-court as the entire process of filing for a claim is cumbersome and complex. It is better to go to the tribunal only during the case of serious vehicle damage, disability, or death.
  • In the case of vehicle damage, the claimant must ensure that the claim is significant. It is not a good idea to forfeit the accrued no claim bonus for minor damages that can be easily fixed.
  • Third-party claim can also be made for injuries and income lost during the period of disability following the accident.
  • Most insurers subrogate the claim against another insurer only during the case of death or disability. Subrogation is the process through which the insurance company of one party claims reimbursement from the insurance company of the other party for the damages paid.

In Conclusion- In these times of chaotic hurry, unrelenting traffic and a desperate need to speed past, accidents and on-road damage to your vehicle is a common problem. Ensure peace of mind, by investing in a complete protection plan for your cherished set of wheels. With a good third-party motor liability insurance policy, either stand-alone or as part of a comprehensive car insurance package, drive away into the sunset with gusto.

Third-Party Motor Insurance FAQs:

  1. Can I skip the purchase of third-party motor insurance? I really am a good driver.

    No. Third-party motor insurance is a compulsory component of your motor insurance policy as mandated by the Indian Motor Vehicles Act, 1988. Also, the fact that you are a good driver doesn’t negate the fact that your vehicle (and you) can be the victims of an accident that was initiated by another vehicle. In such a scenario, you will be thankful that the offending driver is insured with the third-party motor insurance component that you can raise a claim on.

  2. What is a third-party car insurance policy actually?

    In simple terms, when your vehicle is the cause of an accident that resulted in the injury/death/damage to third-party property, then the offended party can raise a claim for damages that will be satisfied by your third-party car insurance policy. In this exchange, you will not be getting any monetary benefits.

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

    In case of bodily injury or death, there isn’t a specific ceiling with regards to the compensation amount. However, in case of damage to third-party property, the insurance company will only account for a maximum of Rs.7.5 lakhs.

  4. I had a bad accident this morning and I wish to raise a claim on the third-party insurance policy. How much time do I have to raise this claim?

    In simple terms, there is some breathing space- but quicker is always better. You must start by filing a case with the Motor Accidents Case Tribunal within a span of 60 days from the unfortunate accident. However, there have been instances where the courts have acted upon claims that were registered a year or so from the accident date.

  5. What documents must I submit when raising a third-party car insurance claim?

    The documents to be submitted include, copies of FIR (First Information Report) as registered by the local police station, proof relating to the expenses being claimed and report from the surveyor (if damage to property is involved).

  6. What happens if I am caught driving without a valid third-party liability insurance policy?

    As per the Motor Vehicles (Amendment) Bill 2016 that was approved by the Lok Sabha, a person driving without a valid insurance policy can be charged a fine of Rs.2,000. This is a 100% increase in the penalty from the existing charge.

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News About Third Party Motor Insurance

  • All new Maruti Suzuki Wagon R ready to be launched 

    The next-gen Maruti Suzuki Wagon R is all set to hit the Indian markets on 23 January 2019. The latest iteration of Wagon R is wider and longer than the previous models and is claimed to be more substantial. The car is built on a modified version of Suzuki’s fifth generation platform which is lighter and safer. The automaker claims that the car has been designed and built with the upcoming and future crash test norms kept in mind.

    It carries a completely different look on the exterior which has almost no resemblance to the previous models. The tall-boy stance has been carried forward anyways. It is also powered by a more powerful, 1.2-litre, four cylinder, K12 engine. The engine can juice out about 83 hp of maximum power and about 113 Nm of peak torque. The 1.0-litre, three cylinder engine will also be retained for a cheaper version of the Wagon R. The car will also get a CNG variant. The engine on the new-gen Wagon R will be mated with an AMT gearbox as well.

    8 January 2019

  • Audi set to unveil an all-electric SUV concept in early-2019

    Based on the VB Modularer Elektrobaukasten (MEB) platform, Audi is set to unveil an all-electric SUV concept early next year. The zero-emission vehicle is expected to go on sale in 2020, the same time as the e-tron GT. Audi announced last year that by 2025 it will launch 25 electric vehicles.

    The small electric vehicle (EV), which is expected to be the most affordable in its lineup, will sit alongside the upcoming e-tron Sportback, the recently revealed e-tron GT concept, and the e-tron SUV. Also, being the most affordable, it is expected to be the highest selling in the lineup. Audi did not reveal whether the small SUV will be brought to India. However, the Audi e-tron is expected to launch in late 2019.

     

    7 January 2019

  • Honda teases new Civic cross-hatch

    With the Tokyo Auto Salon in January, Honda is planning on showcasing an all-new cross-hatch concept of the Civic. Based on the Civic hatchback, Honda is calling it the Civic Versatilist concept, and the vehicle will have noticeable hatchback cues.

    While no mechanical details are available on the vehicle, the sketch shared by Honda shows a different front bumper than the standard Civic, sleeker doors, raised seat height, and flared wheel-arches. Also not known yet is whether the car will go into production or will be just a concept.

    4 January 2019

  • MG Motors to launch 3 new products by September 2020

    Planning on sticking with SUVs for the Indian market, MG Motors will launch three new products by September 2020. While one of the SUV’s is purely electric, the other two will be powered by diesel and petrol engines. The first SUV, which is based on the Baojun 530, will be launched by June 2019. It is expected to compete with likes of the Honda CR-V. The second, which is an electric SUV, likely the MG eZS, will be lauched by April 2020, and is expected to compete with the Kona EV. The third SUV is set for launch by September 2020, could be a compact SUV and compete with the Hyundai Creta, Maruti Suzuki S-Cross, and the Renault Duster. It could also be a premium SUV, positioned higher than the first MG SUV.

    31 December 2018

  • Tata Harrier to be Launched in Jan 2019, Priced Between Rs.16 lakh and Rs.21 lakh

    The global debut of the Tata Harrier SUV took place earlier this month in a desert outside Jodhpur, and the platform of the vehicle is said to be derived from the D8 Architecture of Land Rover. Called the Optimal Modular Efficient Global Advanced Architecture (OMEGA Arc), the platform was designed in tandem with Jaguar Land Rover. The driving dynamics on off-roading tracks as well as city roads are significantly improved with the Omega Arc platform. The platform also enhances the overall durability and build quality of the vehicle. The SUV is also the very first Tata car that uses the IMPACT 2.0 design philosophy that concentrates on developing comfortable interiors and stylish exteriors. The SUV runs on the Fiat-sourced 2.0-litre diesel engine which is available with Advanced Electronically Controlled Variable Geometry Turbocharger (eVGT) for better control and handling, linear power delivery and low end torque.

    24 December 2018

  • Tata Harrier unveiled in Jodhpur, first undisguised pictures of the car revealed

    Tata Harrier is one of the most awaited SUVs of in India. The Tata Harrier is based on the Land Rover platform. After a number of promotions with feature teasers and production pictures in the lead up to the launch, Tata has finally put out images of a completely uncamouflaged Tata Harrier in Jodhpur. The Tata Harrier will be the first of two SUVs that will essentially be sharing the same design and platform.

    The second car will be a full size SUV and will be taking on the likes the Toyota Fortuner and Mahindra Alturas. The 5 seater SUV to be launched in the near future will be taking on the likes of the Jeep Compass and Hyundai Creta. It does look like the Harrier will have a significant size advantage over the Jeep Compass. Tata Harrier first came into the spotlight when it was revealed as a concept at the Indian Auto Expo that was held in New Delhi. The one point that sets the Harrier apart at that time was the fact that this will become the Tata SUV that will be making use a platform derived from the Land Rover D8. This is the same platform that was used on the Range Rover Evoque and the Discovery Sport. Tata has rebranded the name as OMEGA Arc. OMEGA stands for Optimal Modular Efficient Global Advanced. The SUV also showcases the next generation design philosophy of Tata titled the IMPACT 2.0. The car will be powered by a 2.0 litre motor sourced from Fiat. This will be the same motor used in the Jeep Compass and has been rebranded by Tata Motors. It is now called Kryotech 2.0 and will give a horsepower output of 140 hp.

    18 December 2018

  • Bajaj Qute can now launch as a private vehicle

    The Bajaj Qute can be finally launched as a private vehicle in India. Quadricycles were only allowed for transport purposes till date by the Ministry of Road Transport and Highways. The 4-wheeler was only allowed to use a goods carrier for non-transport usage under the Motorcycle Act 1988. Quadricycles can now finally be used for transport in India. The quadricycle is a 4-wheeler of the size of a rickshaw. The vehicle is lighter than 475 kgs and is less than 3.6 metres in length. The quadricycle also comes with a hard top. This makes the quadricycle a covered four-wheeler setup. With this new rule, taxil fleets and private owners can make use of quadricycles for passenger ferrying. After a delay of a number of years, the Bajaj Qute is finally all set to be launched in the Indian market. There were a number of delays with the launch of the Qute due to the approval and other Government problems. The Bajaj Qute is equipped with a 200cc DTS-i engine with an option with CNG, petrol, as well as CNG. The maximum power output of the Bajaj Qute is 20 BHP which will be more than sufficient for city use. The expected mileage of the Bajaj Qute is somewhere around 35 km/l. The top speed of the Bajaj Qute will be close to the 70 km/hr mark. The features onboard will include all of the basic features of a car with an option of accessories like a semi-digital instrument cluster and an MP3 player. Safety norms are the one issue left to address with the Bajaj Qute. The quadricycle will have to undergo a number of crash test and should also be compliant of the new upcoming emission norms. The price of the Qute is expected to be around Rs.1.4 lakh making it the cheapest four-wheeler in India after the Nano.

    17 December 2018

  • Nissan Asked to Provide Evidence on Ghosn

    After the arrest of the CEO and chairman, Carlos Ghosn, the board of directors at Renault have taken a few ‘transitional governance measures’. The CEO was arrested in Japan due to allegations of financial misconduct. However, the company has not removed him from his roles. The company also asked Nissan, its alliance partner, to provide the data gathered by the internal investigation team of the Japanese firm. The board of the French company met last week to determine a course of action following the arrest of Ghosn. The CEO was expected to be stripped off his roles, especially after the French government put pressure on the company to do so.

    14 December 2018

  • Mahindra Plans to Launch an Electric SUV by 2020

    Mahindra has announced its plans to launch an electric SUV, code-named S201, by 2020. The S201 will be similar to the KUV100 EV that is set for its launch in 2019.

    The S201 will be the car manufacturer ’s first extended-range electric car that will be powered by a 380V battery system and equipped with a 250km range. The battery system debuted at the 2016 Auto Expo with the e2o Sport. The e2o Sport has a total range of 200km, but since the S201 is a non-sporty vehicle, it should have a range beyond the e2o Sport. The new offering will be manufactured in Mahindra’s plant in Pune.

    Other carmakers that are expected to launch their electric offerings in 2020 include Tata, Maruti, Hyundai and Toyota.

    13 December 2018

  • What the Next-gen Skoda Rapid is Going to Look Like

    Skoda is currently working on the Rapid C-Segment, the next-gen sedan which is expected to be launched in the Indian market in the near future. The vehicle is expected to use the MQB A0 platform that is especially meant for emerging markets that are cost conscious, like Brazil and India. Skoda recently revealed the Vision RS concept, and the vehicle is set to have a much sharper look, with the front bumper coming with an edgy design. The side profile of the vehicle is expected to be understated in usual German fashion, but the alloy wheels are said to bear a flashy look.

    12 December 2018

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Third Party Motor liability Insurance Policy Reviews

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  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • Universal Sompo Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and it has been a good insurance policy. I had been paying the premium online and the payment method has been convenient. There has been a claim made once and the claiming method has been simple.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jan 18, 2019
  • New India Car Insurance
    "Comprehensive benefit policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India. I don't speak with their customer care since i don't require it. I had a claim experience which is a easy process without any tension. As per their policy, the maximum claim amount settled. Since they are providing good services i have opted this policy. They have given me a road side assistance and bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2019
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • Future Generali Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Future Generali through online portal. The premium was reasonable and also they have provide bumper to bumper facility. The policy period is one year. There is no interaction between the customer service. I just gave my car for the claim so no experience.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • Oriental Insurance Car Insurance
    "Good insurance company"
    0.5 2.0/5 "Expected more"
    Dealer has referred me about this oriental car insurance when i purchase the vehicle. They have rejected the claim since the copy of FIT is not available. They have given me a coverage value upto Rs. 6 lakhs. For the past 3 years i have been renewed the policy with the same company.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Iffco Tokio Car Insurance
    "Good Policy and you can try"
    0.5 4.0/5 "Great!"
    Two months before, i have taken my car insurance policy with Iffco Tokio. Its a PAN India agreement policy for my Maruti Car. I don't remember about the coverage value. This is a zero depreciation policy. I paid the premium amount of Rs. 6500. I have not seen any add on and cashless garage facility.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
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