• Third Party Motor liability Insurance Policy

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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

    • Top Trending Topics

      How To Make A Car Insurance Claim After An Accident?

      If you are involved in an accident, it is important to keep your cool. Although easier said than done, maintaining your composure can help you in several ways.

      You should also be aware of the formalities that you need to undertake immediately after the accident. This page explains in detail on how you can intimate the insurer about an accident that causes a significant amount of damage to all parties involved. The steps involved in filing a car insurance claim and the documentation required for the same are described for your reference.

    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).

    Car Insurance Guide Page

    Car Insurance Articles:

    Relationship between your car’s engine capacity and its motor insurance cost

    It is understood that the cubic capacity of your vehicle’s engine has a direct impact on its insurance premium. But have you ever wondered why?

    The cost of a comprehensive car insurance policy is the sum of the third-party liability premium, the own damage premium, and the premium for personal accident cover.

    The third-party liability premium is a fixed value based on the guidelines provided by IRDA on an annual basis. This is directly proportional to the cubic capacity of the vehicle as well. The own damage premium is based on the IDV of the vehicle, which in turn, depends on the engine capacity.

    This page provides you a detailed explanation of how the car’s cubic capacity determines the premium for its insurance.

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    What is consumables cover in car insurance?

    A consumable is a specific substance used in vehicles and it becomes completely unfit for future use after it has been consumed. Materials such as engine oil, screws, bolts and nuts, lubricants, fuel filter, grease, brake oil, and air conditioner gas are all classified as consumables.

    If you thought that your comprehensive car insurance policy included coverage for consumables, then you are wrong. The name “comprehensive” is actually a misnomer for the type of car insurance plan in question, because it excludes several incidents from coverage, and usage of consumables is one of them. However, the good news is that almost all insurance companies offer you a consumables cover that you can add to the comprehensive policy to get improved coverage.

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    Cashless claims in auto insurance

    The concept of cashless claims seeped into the realm of car insurance from the health insurance domain. As far as car insurance is concerned, this indicates the ability to get your car repaired at a garage (following an accident) without having to pay for it upfront. The settling of the claim amount is done directly between the insurer and the garage.

    However, insurance companies only allow you to avail this facility at selected garages. These service centres are referred to as network garages.

    The insurance company will have tie-ups with network garages throughout the country. These workshops also offer you excellent facilities at reasonable costs. So, it is advisable to get your car repaired at a network garage following an accident.

    This page educates you on the concept of cashless claim settlement in car insurance and the benefits of choosing network garages.

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    How to preserve your No Claim Bonus after you sell your car

    The No Claim Bonus (NCB) is a very attractive discount that insurance companies offer drivers who stay away from raising claims against the car insurance. So if you were a diligent driver who avoided accidents throughout the year, you will receive an NCB from the insurer. The NCB can then be used to get a discount in premium at the subsequent renewal of policy.

    The beauty of the concept of NCB is that you can accrue the bonus over a period of years when you refrain from making claims throughout. When the bonus is accumulated over a timeframe of 5 years, you could even get a discount of up to 50% in car insurance premium!

    But what happens to this amazing bonus when you sell your vehicle?

    The NCB can be retained by requesting for a certificate/letter from the insurance company. This way you can preserve the NCB for up to 3 years and then use it on the insurance of your next car.

    Read More...

    How does cashless garages work?

    The concept of cashless claim settlement was first seen in the health insurance domain. It has since been adopted by the car insurance industry, and has rightfully been seeing a surge of acceptance among the policyholders.

    Insurance companies have tie-ups with car service stations throughout the country. These workshops are referred to as network garages. If your insured vehicle meets with an accident you can get it repaired at a network garage, almost free of cost. The claim amount will be directly settled by the insurer with the network garage, and you will only have to pay the part of the claim amount corresponding to deductibles and depreciation.

    This facility is particularly useful when you are involved in an unpleasant incident such as an accident at the time of financial difficulties. Also, the network garages will be the most popular workshops in the locality, offering premium services to customers. The cashless facility will hence, ensure that you have a smooth claim settlement experience. At the end of it you can be assured that your vehicle will be as good as new!

    Read More...

    News About Third Party Motor Insurance

    • Toyota’s new Yaris sedan spotted testing in India

      The upcoming mid-size sedan from the stable of Toyota, the Yaris, has been found testing on Indian roads. The car will be showcased at the upcoming Auto Expo and will be launched in India in the latter half of 2018. The car will rival Honda City, Maruti Ciaz, and Hyundai Verna in the Indian automobile space.

      The Yaris In India will have the same specifications as that in the Singapore market. The interiors will be ergonomically designed and the vehicle will be simple and functional. The vehicle will have a 107 hp, 1.5 litre petrol engine. The Yaris is unlikely to be available in a diesel version. However, a petrol-hybrid powertrain may be introduced later on. The car will have 5-speed manual and 7-step CVT automatic transmission systems as well.

      The vehicle is likely to be priced around Rs.8.5 lakh to Rs.11 lakh (ex-showroom) after its launch.

      9 February 2018

    • Consultant to be hired by IRDAI for implementation of RBC system

      The Insurance Regulatory and Development Authority of India (IRDAI) is all set to hire consultancy services for implementing a risk based capital (RBC) regime that will increase the protection received by policyholders. The RBC model is likely to be implemented by March 2021.

      Last July, a panel had given recommendations through a report to the regulator regarding a shift from the current solvency principle regime to the RBC norms. The current solvency regime will continue till the RBC model is implemented.

      According to the IRDAI, there needs to be a shift in regime as the existing solvency based rules are not helpful in determining whether the capital held is enough for the inherent risks in the business of insurance. IRDAI mentioned that the RBC regime is appropriate for the Indian insurance industry, and it will follow the direction taken by the global insurance industry.

      The regulator said that the consultant should look to develop and fine-tune the RBC framework for life insurance, health insurance, and general insurance (inclusive of motor insurance). The reinsurance business will also fall under the RBC regime.

      5 February 2018

    • Launch of Lexus LS 500h hybrid sedan in India; estimated price Rs.1.77 crore

      Lexus has launched the fifth generation of LS 500h in India with a roomy three-box design. The 4-door coupe will have the unique L-finesse design of the Lexus range.

      The car will have the rigid Global Architecture - Luxury (GA-L) platform. The LS-500h will also have a multi-link air suspension system.

      The vehicle will be powered by a 3.5 litre V6 petrol engine that delivers 15.36 km/litre in combination with a 310.8 kV lithium-ion battery. The vehicle will have the first multi-stage hybrid system in the world and it provides great efficiency and top performance.

      The car is available for bookings from 15 January 2018. The cost of the car will be Rs.1,77,21,000 (ex-showroom) for the Luxury variant, Rs.1,82,21,000 (ex-showroom) for the Ultra Luxury variant, and Rs.1,93,71,000 (ex-showroom) for the Distinct variant.

      2 February 2018

    • Upgraded Honda Amaze to be showcased at Auto Expo 2018

      Honda will be revealing the Honda Amaze 2018 sedan at the biennial motor show in Delhi this year. The facelifted version of the vehicle that was launched in 2016 has shown decent sales. The 2018 Amaze is expected to be more stylish and appealing. It will compete against the likes of Ford Aspire, Maruti Suzuki Dzire, and Hyundai Xcent.

      The exterior front of the revamped model is inspired by the Honda City. The luxury quotient of the car will also see a definitive rise. The new model will have hi-tech features that include restyled interiors, touchscreen infotainment module, and improved safety devices, to name a few.

      The 1.2 litre i-VTEC petrol and 1.5 litre i-DTEC diesel engines will be present in the Honda Amaze 2018. The petrol motor can generate a peak power of 88.7 bhp and maximum torque of 109 Nm. The diesel unit, on the other hand, generates 98.5 bhp of maximum power and 200 Nm of peak torque. Both engines are coupled to a 5-speed manual gearbox.

      The existing model of the Amaze is priced in the range of Rs.5.5 lakh to Rs.8.41 lakh, ex-showroom. The new Amaze is expected to be priced in the range of Rs.5.5 lakh to Rs.9 lakh, ex-showroom.

      1 February 2018

    • Volvo looking to increase market share in India; will launch electric car in 2019

      Luxury carmaker Volvo Cars is targeting to double its market share in the country by 2020 with new launches, including a fully electric vehicle. The e-car will be introduced in the Indian market by 2019.

      Currently, the company has a share of around 5% in the luxury car market, selling 2,029 units in the country in 2017. Volvo will be launching electrified cars that will be backed by plug-in hybrids and even completely electric vehicles. Following the global launch of these vehicles in 2019, these will make an entry into the Indian automobile scene. The company stated that it plans to be the frontrunner in the e-luxury space.

      The expansion plan of Volvo includes having a fleet of 1 million electrified cars across the globe by 2025, and it expects India to contribute towards the growth in its e-vehicle segment.

      The company is also looking to expand its sales network in the country within the upcoming two years. Currently, it has a presence across 18 dealerships in India.

      31 January 2018

    • MUVs and SUVs to hit the Indian automobile scene in 2018

      The Indian automobile market is expected to witness a slew of new launches in 2018, as far as SUVs and MUVs are concerned. Some of the new entrants are as detailed below:

      1. Mahindra U321 MPV - The vehicle, codenamed U321, has been developed at Mahindra’s Technical Centre in the US and manufactured in India. The vehicle will use the 1.99 litre diesel engine seen in Mahindra XUV500. The Ertiga, Lodgy, and Innova will be competitors for the U321 MPV in 2018.
      2. Nissan Kicks - The Kicks will be a more advanced crossover to the Terrano, and is a highly anticipated launch this year.
      3. Renault Duster facelift - The Indian automobile market will see the Dacia Duster that was introduced at the Frankfurt Motor Show in 2017 as the Duster facelift in 2018.
      4. Tata Q501 - Codenamed Q501, this vehicle is based on the Land Rover Freelander 2 platform and will compete with the likes of Ford Endeavour and Toyota Fortuner.
      5. 2018 Honda CR-V - The new CR-V from Honda will debut at the Auto Expo this year. The vehicle will have a diesel engine, a lighter chassis, and an appealing design.
      6. 2018 Maruti Suzuki Ertiga - The Maruti Suzuki Ertiga will be unveiled at the 2018 Auto Expo. The new version of the car will have ample cabin space, will be lighter, and is expected to offer more fuel efficiency than the outgoing model.

      4 January 2018

    • Renault Captur officially launched; prices start from Rs.9.99 lakh

      The Renault Captur has been officially launched with prices ranging from Rs.9.99 lakh to Rs.13.88 lakh, ex-showroom Delhi. The Indian version of the Captur has a host of new features when compared to the European model, that makes it more cost effective and attractive as well.

      The prices for the variants of Captur are tabulated below:

      Variant Diesel Petrol
      RXE Rs.11.39 lakh Rs.9.99 lakh
      RXL Rs.12.47 lakh Rs.11.07 lakh
      RXT Rs.13.09 lakh Rs.11.69 lakh
      Platine Rs.13.88 lakh N/A

      The car has premium interior upholstery and a large touchscreen infotainment system. The engine specifications of the vehicle are as follows:

      Specification Diesel Petrol
      Displacement 1,461 cc 1,498 cc
      Maximum power 108 bhp at 4,000 rpm 104 bhp at 5,600 rpm
      Maximum torque 260 Nm at 1,750 rpm 142 Nm at 4,000 rpm
      Transmission Six-speed manual transmission Six-speed manual transmission

      The car will compete against Jeep Compass, Hyundai Creta, and Mahindra XUV500 in the market.

      8 November 2017

    • Petrol automatic model of Jeep Compass arrives at dealerships

      After the recent launch of Jeep Compass in India, the diesel models had started being delivered by the company. Now the petrol automatic version of the car has arrived at dealerships and is available for test drives. The current waiting period for the model is 2 months.

      The petrol manual version is not available at dealerships as of now, but bookings for the same have commenced.

      The petrol model of Jeep Compass has a 1.3 litre multiair turbocharged engine that produces maximum power of 161 bhp. The peak torque developed is 250 Nm. The 1,388 cc motor is coupled to a seven-speed Dual Dry Clutch Transmission (DDCT).

      The Jeep Compass is available in 3 variants, i.e., Sports, Limited Option, and Limited. The interior and exterior features are similar to that in the diesel model.

      After the announcement of the GST cess, the price of the vehicle has increased. The cost is now in the range of Rs.15.16 lakh - Rs.21.37 lakh, ex-showroom Delhi.

      24 October 2017

    • Third Party Insurance Premiums Increased by 10% to 40%

      With revisions in car insurance premiums rolled out by the IRDAI, third party liability cover will be more expensive in 2016-17. As per the law, under the Motor Vehicles Act, all owners must insure their vehicles against third party damages. Existing premium rates will be increased by up to 40% starting from April 1st 2016. The rise in premiums is calculated by the Insurance Regulatory and Development Authority of India after taking into consideration the rise in cost inflation which has increased by 5.57% in 2015-16.

      Revisions are also based on the number of claims made and the loss ratio of insurers. For four-wheeler private vehicles, there will be a 40% hike in premium for small cars below 1,000 cc and B segment cars between 1,000 cc and 1,500 cc. For sedans exceeding 1,500 cc, the premiums will be hiked by 25%. Two-wheelers will see a hike of 10% to 25% depending on the displacement. However, premiums for superbikes above 350cc will be reduced by 10%.

      30 March 2016

    • Market Pricing for Third Party Motor Insurance Premium Required

      General Insurance companies in India are planning to place a request with the IRDA to de-tariff third party motor insurance premium. This is being done because insurers have to now compulsorily provide insurance for high-risk vehicles. This resolution to approach the IRDA comes after the regulator's move to remove the pool which contains high-risk vehicles, which also had to be given coverage. According to the Insurance Amendment Act, passed last year, it is mandatory for insurers to offer minimum motor third-party insurance to make sure all vehicles have cover. In India, motor insurance comprises of two segments - third party cover and own damage cover. The change in tariffs for the third party segment is required as with this component insurers are making huge losses. With the IRDA proposing to increase the third party motor premium from this April by 30%, insurers might still feel it inadequate to cover their losses.

      29 March 2016

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

    Third Party Motor liability Insurance Policy Reviews

  • Page 1 of 50 1 2 3 4 5
    • Royal Sundaram Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Car Insurance with Royal sundaram,the premium amount is 8000 per annum.The payment is done through an Auto debit,The policy coverall amount is 100% ,i have no claim experiences with them,i had closed it because forgot to renew with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • New India Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Car Insurance with New India Assurance,the premkum amount is 7000 per year.The policy coverage is 1.06 lakhs.I have claim experience with them once they had covered 80%,The insurance was taken 2008,the car modal is Maruthi veganor.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • SBI General Car Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with SBI general insurance from last 5 years and it is one of the good insurance policy to use. I pay a premium of Rs 23000 every year for this insurance. I do not have claim experience so far with this insurance. They cover bumper to bumper damages in case of any accident and i am happy with the coverage of this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I renew my car insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company every year. I have paid Rs,7000 to renew the policy year. I never had any claim experience so far., The customer support service is good with the ROYAL SUNDARAM GENERAL INSURANCE company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • ICICI Lombard Car Insurance
      "Good Insurance company"
      0.5 4.0/5 "Great!"
      I had Maruthi Wagon R car, now I sold out my vehicle. Earlier I took car insurance from ICICI Lombard. The premium amount was less before three years and they gave me good IDV value with road side assistance, third party and accidental cover.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • National Insurance Car Insurance
      "Its Average"
      0.5 4.0/5 "Great!"
      National Insurance have not reached me to renew the policy, their customer service should be improved. I paid the premium around Rs.2500 for one year, I have insured Mercedes car its a second hand car. IDV value was good with third party cover and other features.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • ICICI Lombard Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have recently renewed my car insurance from the ICICI LOMBARD GENERAL INSURANCE company. I have paid Rs,14,000 to renew the policy last year. I never got any claim experience with this policy. This policy has the validity up to a year. I would say it is a good policy to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • National Insurance Car Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have directly taken a car insurance from National insurance on august month. The payments are generally through cheques but I feel they need to improve the response. There is no proper intimations regarding the payments. It is a fine experience with National car insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Bajaj Allianz Car Insurance
      "Good insurance"
      0.5 4.5/5 "Excellent!"
      I have taken the car insurance with Bajaj Allianz General Insurance through online channel. The customer service was good. I did a comparison and found the offers are best with them. The premium and benefits are good compared with other insurance companies. I paid 6,850 rupees per annum.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 20, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had a car insurance with ICICI Lombard and it was suggested by the dealer. I have purchased Maruti Wagnor. I don't have any claim experience till now. I paid around 8000 rupees to purchase this insurance. The IDV and policy coverage is good.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 20, 2018
    • Oriental Insurance Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have Car Insurance with Oriental Insurance six months ago,i have no claim experience so far,the payment is done directly at the counter.The model of the card is 2003,the policy coverage amount is fluctuating depends on the car value at the time of service.The premium amount is 4500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • ICICI Lombard Car Insurance
      "Good banking"
      0.5 5.0/5 "Blown Away!"
      I have taken Car Insurance with ICICI Lombard,the premkum amount is 8000 per year.The policy coverage is zero depreciation.I have no claim experience with them.I have no claim experience till date.They had processed the insurance within the TAT.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Reliance General Car Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      For the past 3 years I am renewing my car from the RELIANCE GENERAL INSURANCE company,. I paid Rs,20,000 to renew the policy last year. The policy coverage is good with the policy . The cashless garages options is good with the RELIANCE GENERAL INSURANCE car policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • Royal Sundaram Car Insurance
      "Car insurance with ROYAL SUNDARAM "
      0.5 4.0/5 "Great!"
      I have taken a car insurance from ROYAL SUNDARAM GENERAL INSURANCE. The provide bumber to bumber, cashless garages, road assistance. Every year i have to renew the policy and first i made the payment to the showroom itself. Its a good policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, which got insured with the Tata AIG general insurance company. I have not faced any issues with them and the coverage value is good one too. Online portal of the Tata AIG general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • HDFC Ergo Car Insurance
      "Good Service and Online Support"
      0.5 4.5/5 "Excellent!"
      I took a Car Insurance from HDFC Ergo and the process was really simple and customer friendly. Also during the Insurance tenure I transferred ownership of my Car and I got an endorsement of my Car Insurance Policy on new owner name done ONLINE without any hassles.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 16, 2018
    • United India Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I took my car insurance from United India Insurance by last year. It was good experience and suggested by the dealer. Once I go for claim only can come to know about the service. They are giving bumper to bumper offer. I paid 8K to purchase this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Oriental Insurance Car Insurance
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I have faced some claims with the Oriental insurance company. Premium is very nominal one with them and the claim got completed on immediate basis. Everything is better one with the the Oriental insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • Reliance General Car Insurance
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I have insured my car with the Reliance general insurance company. I have got the two claims , which got processed through them. Everything is excellent one with the Reliance general insurance company. Claim processing were done in easy manner with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • National Insurance Car Insurance
      "Its Best"
      0.5 4.0/5 "Great!"
      I took Car Insurance from National, the premium was economical compared to other competitor. IDV value Rs. 4.85 lakhs for my Maruthi car with third party cover, road side assistance. May thing I like in National Insurance, they are providing cashless service and the premium was standard.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
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