Q1. Does New India Assurance third-party car insurance policy provide cover for the own damages?

Ans: No, New India Assurance third-party car insurance policy does not provide cover for the own damages.

Q2. Is it a punishable offence if I drive my car without a valid third-party insurance policy?Is it mandatory to get insured under a comprehensive insurance plan?

Ans: No, it is an optional insurance cover that the car owner can purchase to get comprehensive cover for own damages as well as theft, loss or damage caused by natural calamity, etc.

Q3. Is personal accident cover mandatory for the insurer to provide? If yes then how much sum insured is provided under personal accident cover?

Ans: Yes, providing personal accident cover to the customer is mandatory for the insurers. A sum insured of Rs. 15 lakh is provided under the personal accident cover.

Q4. Does New India Assurance third-party car insurance provide cover for the permanent disability?

Ans: Yes, the New India Assurance third-party car insurance provides cover for the permanent disability.

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New India Assurance Third-Party Insurance

New India Assurance third-party insurance plan provides cover for third-party liability such as death, bodily injury, property damage, etc. This car insurance policy from New India Assurance General Insurance Company also fulfills the mandate of having car insurance to drive legally in India.

Benefits of New India Assurance Third Party Car Insurance

Mentioned below are some benefits of New India Assurance third party car insurance policy:

Third Party Death Cover: By purchasing a New India third party car insurance policy, you can get covered against third party death, injury or property damage caused due to your car.
Legally Mandate: By getting a third party car insurance policy, you fulfill the legal mandate of having motor laws of India. This law mandates every car owner to have a car insurance policy to drive in India.
Low Premiums: The premium of a third party car insurance policy is low as compared to other car insurance policies.

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Coverage Under New India Assurance Third Party Car Insurance

Inclusions
Exclusions

Bodily Injury or death of the third-party
Personal accident cover for owner/driver
Property damage of the third-party cover up to Rs. 7.5 Lakh
Physical injury, permanent disability, death caused to the third party due to the accident with the insured vehicle is fully or partially compensated by the insurance company. However, the amount of compensation is decided by the court of law.

Third-party insurance will not provide cover for the damages caused to the insured car or policyholder apart from what is covered under the personal accident cover of Rs. 15 lakh that is mandatory for the insurer to provide.
If the insured is driving the car without a driving license then the insurer will not provide cover for any kind of loss or damage
If the driver is found driving the car in a drunken state, the insurer will not provide cover for any loss or damage.

How to Buy New India Assurance Third Party Insurance?

Follow the steps mentioned below to get New India Assurance third party car insurance online:

Visit Policybazaar.com and from the homepage select the “Car Insurance” tab
On the car insurance page, enter your car number
Select your car related details like its make, model, variant and other
Proceed with viewing car insurance quotes
From the given plans, choose New India Assurance TP policy
Pay the final premium amount using the online payment mode
Soon after the payment, your third party car insurance policy document will be mailed to you.

Documents Required to Raise a New India Assurance Third Party Insurance Claim

The following documents are mandatorily required to claim under a car insurance policy by National India Assurance General Insurance Company:

Car insurance claim form
Copy of Police FIR
Third party insurance policy copy
Vehicle Registration Certificate

FAQs

Q1. Does New India Assurance third-party car insurance policy provide cover for the own damages?

Ans: No, New India Assurance third-party car insurance policy does not provide cover for the own damages.
Q2. Is it a punishable offence if I drive my car without a valid third-party insurance policy?Is it mandatory to get insured under a comprehensive insurance plan?

Ans: No, it is an optional insurance cover that the car owner can purchase to get comprehensive cover for own damages as well as theft, loss or damage caused by natural calamity, etc.
Q3. Is personal accident cover mandatory for the insurer to provide? If yes then how much sum insured is provided under personal accident cover?

Ans: Yes, providing personal accident cover to the customer is mandatory for the insurers. A sum insured of Rs. 15 lakh is provided under the personal accident cover.
Q4. Does New India Assurance third-party car insurance provide cover for the permanent disability?

Ans: Yes, the New India Assurance third-party car insurance provides cover for the permanent disability.

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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