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 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

  • Driving School Inaugurated by Toyota in Mumbai 

    Toyota Kirloskar Motor has launched a Toyota Driving School in Mumbai. The company launched this driving school as part of their mission ‘Safest Car with Safest Driver’. This becomes the 11th driving school launched by Toyota Kirloskar Motors in the country. This is the first driving school of Toyota to open in the state of Maharashtra. The automaker is planning to launch at least 50 such driving schools by the year 2020. One of the best driver simulator mechanisms are provided for all the students to give a better idea to them about road safety. Many features of the Etios have been incorporated in the simulator. Before driving an actual car, trainees have the option to test out a number of car controls before getting comfortable enough to drive on the roads. Learners have the option to design their own curriculum while the standard curriculum will cover topics such as rules, traffic management, driving concepts and the important manners and responsibilities of a driver.

     

    5 February 2019

  • Ford to Unveil the New EcoSport at the 2019 Frankfurt Motor Show

    Shortly after the new EcoSport was spotted testing in India, industry experts believe the car makers will unveil the car at the Frankfurt Motor Show in September 2019. For the Indian car market, Ford is planning to partner with Mahindra to co-develop a B-SUV that is likely to be called Puma that is likely to replace the current EcoSport.

    The vehicle will likely borrow the same powertrain as Mahindra and will likely include the same diesel engine as the Marazzo. The current version of the EcoSport comes with 3 engine options and 2 transmission options.

    3 February 2019

  • Tata Motors’ Used Car Business to Scale Up 

    A recent media report suggests that Tata Motors has plans to scale its Tata Motors Assured pre-owned car business. Unlike Mahindra and Maruti Suzuki, the company’s rivals, Tata Motors has no plans to start a different retail chain for pre-owned vehicles. The company is set to upgrade its current retail network in an effort to cater to people who seek to buy used cars. Tata Motors, as part of its plan to expand its horizons, has reportedly launched a pilot programme in various locations and is looking for new markets where its pre-owned car business will be a hit. It was 2009 when the Tata Motors Assured certified pre-owned car program came into existence, and at the moment, Tata Motors boasts 780 outlets where used cars can be purchased. The company is also expected to increase the aforementioned figure to 2000 in two years’ time.

     

    2 February 2019

  • India-Spec Lamborghini Huracan Facelift Teasers Released Recently 

    For the first time ever, Lamborghini has teased the updated Huracan on the mobile application of a Unica owner. While the Huracan has been available for sale since 2014 after replacing the iconic Gallardo, it has received multiple updated versions from time to time. Many speculate that this might be the right time to introduce a mid-life update to this car. The car might even adopt an s suffix similar to the Lamborghini Aventador S, or might become available with a special series Huracan like the Lamborghini Gallardo. The updated Huracan in the Spyder guise has been spotted testing a couple of months ago. According to reports, the updated Huracan will feature a 4-wheel steering similar to its predecessor, while the V10 engine is likely to receive an upgrade in terms of power output. Other features from the Aventador SVJ are also expected to carry forward in the new Huracan. The output of the 5.2-litre, naturally aspirated motor might even exceed the 650bhp mark.

    In terms of design, the upgraded Huracan will get an aggressive aero treatment on the fascia and on the rear end. The teaser also reveal that this car also carries intricate detailing on the front bumpers. At the back end, the Perfomante inspiration will include a high-placed exhaust with revised taillight design and a small spoiler in addition to an imposing diffuser. The test mule has been witnessed to be sitting on huge multiple Y-spoke alloy wheels, which have been spotted for the first time and are likely to debut with the update.

    18 January 2019

  • 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

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

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Third Party Motor liability Insurance Policy Reviews

Page 1 of 50 1 2 3 4 5
  • ICICI Lombard Car Insurance
    "User friendly"
    0.5 5.0/5 "Blown Away!"
    They are very fast claim experience. I have not personally chosen the policy from ICICI Lombard. From the merchant side by default they have provided me a policy from this company. Recently I had applied the claim and I got up to 83%. Earlier it was a bumper to bumper covered policy now my car is more than 5 years old, so its not covered 100% now.
    Was this review helpful? 3
    , bangalore
    Reviewed on Nov 26, 2019
  • review
    review Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    When i done my claim, Kotak mahindra bank Car insurance, they have given me a claim immediately. To reach their customer care, its quite difficult. They do not have any Tamil assistance. Once i given the documents, they have given me a claim through RTGS transaction. When i search in online, kotak mahindra has a less amount of premium. My total car damage amount was Rs. 24000 in that they have given Rs. 16800 which covers upto 70%.
    Was this review helpful? 1
    , tirupur
    Reviewed on Nov 26, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    New India Assurance company is very helpful for customer. Once the agent came to my place and guided me with a full support and he used to contact me whenever the policy gets expired. They used to remind me before on 10 days, then they will come to my place to collect the cheque. I pay the premium amount of Rs. 19,000 by last year and they gave me a no claim bonus as well.
    Was this review helpful? 1
    , tiruchirapalli
    Reviewed on Nov 25, 2019
  • Chola Ms Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I'm having a car insurance from Cholamandalam but the benefits are good but still i haven't claimed anything once i had experience the claim, I will come to know about their real face. The customer care executive has clearly explained me about the policy details.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Nov 25, 2019
  • review Car Insurance
    "Car insuarnce"
    0.5 0.5/5 "Unacceptable"
    Such a money making company , third class service , i gave my car to insurance get it claimed but i am waiting from past 1 month , i didn't get the approval . I have never came across such a bad vompany and bad customer service and still i am struggling with these people . Shameless company .
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 24, 2019
  • review Car Insurance
    "It's a fraud company eating customers money"
    0.5 0.5/5 "Unacceptable"
    Bharti axa car Insurance company is not genuine at all as it is a private company so their focus is just to collect the premium from clients but at the time of claims they run from their responsibilities and deny the claims for no reasons.. The company they have hired for forensic and investigation are also working in their favour as those companies are paid by bharti axa for making reports in their favour, I would like to alert the customers to never go with bharti axa car insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 20, 2019
  • ICICI Lombard Car Insurance
    "Better Policy"
    0.5 5.0/5 "Blown Away!"
    Taken my car insurance from ICICI Lombard because it has been offered from Maruti Showroom itself and i have paid the premium amount of Rs. 13000. Its a zero depreciation hence its cover for bumper to bumper. They are providing the IDV value of Rs. 4.5 lakhs.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 13, 2019
  • Bajaj Allianz Car Insurance
    "Many network garages in Bajaj Allianz"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance from Bajaj Allianz. They are providing a good no claim bonus and customer service is good so i have switched over from other company to Bajaj Allianz. For the car, i have paid the premium amount of Rs. 12200. Its a first party insurance.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 12, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I don't have any claim experience even the policy is good. There is no hassles till now. I have been paid the premium amount of Rs. 14000 and i have taken this policy long time back. There is no particular reason for choosing the Bajaj Allianz. Its a zero depreciation policy and they have provided me a coverage amount of Rs. 4.50 lakhs.
    Was this review helpful? 0
    , thane
    Reviewed on Nov 10, 2019
  • ICICI Lombard Car Insurance
    "Okay Policy"
    0.5 5.0/5 "Blown Away!"
    Recently i have a claim experience for my car insurance with ICICI Lombard. I got the ICICI Lombard insurance from the Maruti Showroom when i purchased the car. There was a claim issue when i applied it. They gave less settlement amount and it was a late approval. I had taken the zero depreciation policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 09, 2019
  • ICICI Lombard Car Insurance
    "Okay Policy"
    0.5 4.0/5 "Great!"
    My friend is working as a agent in ICICI Lombard thats the reason i have gone with ICICI Lombard. I have paid the premium amount of Rs. 8500 for the satisfied coverage value as per the age of the car. I have not approached for any claim till now. The policy would be renewed by the agent itself.
    Was this review helpful? 0
    , jaipur
    Reviewed on Nov 08, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    National Car Insurance is Government based policy and I'm using the Maruti car and they are giving a good service since they have a tie up. The price is very less when i compared with other company with the same IDV. I have a claim experience with them and it was satisfactory.
    Was this review helpful? 0
    , nellore
    Reviewed on Nov 07, 2019
  • United India Car Insurance
    "Good Insurance Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from United India. I have purchased second hand car, so i have been renewing the policy with the same company which car holder was having at earlier. I am paying the premium amount of Rs. 13000 per year. I have not applied for any claim till now.
    Was this review helpful? 1
    , manjeri
    Reviewed on Nov 05, 2019
  • Shriram Car Insurance
    "Excellent "
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Shriram General since am an employee. The customer service is good. I have gone for claims and it was reimbursement. They have not tied up with the cashless showrooms. I am happy with the benefits. Its a first party insurance.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Nov 03, 2019
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I found that HDFC Ergo is giving me a competitive rates and at the time of taking it in a urgent it was best. I have paid the premium amount of Rs. 11000 and its a zero depreciation policy. They are providing the coverage amount of Rs. 3 lakhs. After i browsed about HDFC Ergo, the agent came to my place and explained me about the benefits so i have renewed the policy from the agent sent by the company.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 29, 2019
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 4.5/5 "Excellent!"
    I have chosen my car insurance policy from ICICI Lombard. Its because of the benefits i have moved to this company from some others. I have paid the premium amount of Rs. 15000. Its a 100% covered zero depreciation policy. No claim experience.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 23, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    When i enter my car number, they have given me a higher IDV. For claiming the policy, i have take a picture and i can upload through online for the claim process. They have given me a IDV value of Rs. 2 lakhs and its not cover for bumper to bumper. I have not approached for any claim.
    Was this review helpful? 1
    , chennai
    Reviewed on Oct 20, 2019
  • United India Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have selected third party insurance for my car, the premium is reasonable with United India Insurance. I have Maruti Wagnor and its 10years old, their IDV is less. I have paid yearly premium around 4,700 rupees and have received the insurance paper. I have no claim experience.
    Was this review helpful? 1
    , pune
    Reviewed on Oct 19, 2019
  • ICICI Lombard Car Insurance
    "Not recommendable"
    0.5 2.0/5 "Expected more"
    Earlier, I had a policy with ICICI Lombard and have been facing so much of issues during claim which am not satisfied. When I purchased the policy, they have assured me its a cashless policy but when I have contacted the garage they denied for it and their executive is not at all helpful.
    Was this review helpful? 0
    , new delhi
    Reviewed on Oct 18, 2019
  • Bajaj Allianz Car Insurance
    "As of now good"
    0.5 4.0/5 "Great!"
    Till now, I have not required any services for claim with Bajaj Allianz. Personally, I don't have any experience with them when I went to the showroom, the executive recommended me Bajaj Allianz. The premium is more or less when I compared with others. Its a comprehensive plan and am satisfied with the benefits.
    Was this review helpful? 0
    , new delhi
    Reviewed on Oct 18, 2019
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