Q1. Is it mandatory to buy third party car insurance in India?

Ans: Yes. As per the Indian Motor Vehicles Act 1988, every vehicle owner must insure their vehicle at least with a third-party car insurance policy. Only after you purchase third-party insurance, you will legally be able to drive on Indian roads.

Q2. Can I pay the National insurance policy premium online?

Ans: Yes. National four-wheeler insurance premiums can be paid online via bank cards, net banking, and UPI payment modes.

Q3. Will I get NCB if I buy the National third party insurance?

Ans: No, you will not get any NCB with a third-party policy. NCB rewards are only provided to the policyholder with comprehensive car insurance.

Q4. Is fire caused to my vehicle covered under National third party car insurance policy?

Ans: No, the National third-party car insurance policy does not cover fire-related damages caused to the insured vehicle.

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National Third Party Car Insurance

The National third party car insurance policy or a liability-only policy offers protection to the policyholder against death or bodily injury of a third party and damages to the third-party property. It covers the policyholder’s legal liability to pay compensation for expenses arising out of the above-mentioned situations.

Benefits of National Third Party Car Insurance

The National third party car insurance policy offers various benefits cited below:

Legal Coverage: The National third-party car insurance covers your legal & financial liabilities in case of death or disability to any third party or any loss or damages to the third-party property.
Affordable Premium: As compared to a comprehensive policy, the National third-party car insurance is cost-effective and does not involve a hefty policy premium.
Peace of Mind: A third-party car insurance policy provides peace of mind when dealing with financial situations by protecting you against legal liabilities if you inflict damage to the third party, thereby ensuring you don't have to face inconvenience and pay out of your pocket.
Personal Accident Cover: The Personal Accident (PA) is a mandatory cover for all vehicle owners in India, which you can buy along with the National third-party four-wheeler insurance. Under this, the owner-driver of the car is provided compensation of up to Rs. 15 Lakh in case of a disability or death as a result of the accident.

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Coverage Under National Third Party Car Insurance

Inclusions
Exclusions

Coverage for an unlimited amount in case of death or bodily injury/disability of the third party.
Damages to third-party property for up to Rs. 7.5 Lakh.
Personal Accident cover for the owner-driver of the insured vehicle in case of an accidental injury.

Any OD (Own Damage) caused to the insured car due to unforeseen instances, such as accidents, manmade acts, natural calamities, fire, and theft.
Any loss when driving under the influence of alcohol or without a valid driving license.
Use of vehicle that violates the ‘limitations as to use' (e.g. private vehicle being used as a commercial vehicle).
Expenses incurred due to the electrical/mechanical breakdown of the insured vehicle.

How to Buy a National Third Party Car Insurance Policy?

One can easily buy third party car insurance online by following these steps:

Visit Policybazaar.com and select 'Car Insurance'.
In the form, enter your car number and click ‘View Prices.'
Enter your car's details like model, variant, fuel type, RTO, and registration year
Now fill in the proposal form and proceed forward.
From the list of third-party plans of multiple vehicle insurance companies, find the National third-party car insurance plan. You can also check policy details here.
Select personal accident cover in car insurance as per your needs.
Now select the desired plan and proceed with the policy premium payment.
Pay the amount via online payment modes, such as cards, net banking, or UPI.
As soon as you have made the payment, your National third-party motor insurance documents will be mailed to you.

Documents Required to Raise a National Third Party Car Insurance Claim

To raise a National third-party car insurance claim, you are required to keep these documents handy with you:

Copy of Police FIR
Copy of third-party insurance papers
Duly filled and signed claim form
Copy of driving license
Copy of vehicle's registration certificate

FAQs

Q1. Is it mandatory to buy third party car insurance in India?

Ans: Yes. As per the Indian Motor Vehicles Act 1988, every vehicle owner must insure their vehicle at least with a third-party car insurance policy. Only after you purchase third-party insurance, you will legally be able to drive on Indian roads.
Q2. Can I pay the National insurance policy premium online?

Ans: Yes. National four-wheeler insurance premiums can be paid online via bank cards, net banking, and UPI payment modes.
Q3. Will I get NCB if I buy the National third party insurance?

Ans: No, you will not get any NCB with a third-party policy. NCB rewards are only provided to the policyholder with comprehensive car insurance.
Q4. Is fire caused to my vehicle covered under National third party car insurance policy?

Ans: No, the National third-party car insurance policy does not cover fire-related damages caused to the insured vehicle.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in