Reliance General Third-Party Car Insurance

Reliance General Third-Party car insurance policy can protect you from any kind of loss or damage caused by you to the third party in an unforeseen accident.

Purchasing a third-party car insurance policy is mandatory in India by the Motor Vehicle Act 1988. The third-party car insurance plan protects you from any third-party liabilities such as property damage, car damage, injury, death, etc.

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Reliance General Third-Party Car Insurance vs Comprehensive Car Insurance

Let's take a look at the points of Reliance third-party insurance and Reliance comprehensive insurance before purchasing car insurance.

Features	Third-Party	Comprehensive
Coverage	Loss or damage caused to third-party such as damage to car or property of third party, injury, death, etc.	Cover for own damages, third-party as well as other loss or damage caused to the insured vehicle by natural calamity, theft, etc.
Cost	The premium is relatively low because of limited coverage	Premium is higher than third-party because of better coverage
Add-on covers	No add-ons available	You can purchase add-on by paying extra amount
Personal Accident Cover	Mandatory	Mandatory
Legal Requirement	Mandatory by the Motor Vehicle Law 1988	Depends on the car owner
Personal Accident Cover	Rs. 15 Lakh	Rs. 15 Lakh

What Is Covered under Reliance General Third-Party Car Insurance?

Reliance General third-party car insurance provides cover for the loss or damage caused by the insured vehicle to the third-party vehicle as well as passengers. The insurance protects the third-party car insurance holder from the financial liability coming out of the property loss, injury, death, car damage, etc. Once you get covered with this insurance plan then you will not have to pay for the third-party liability out of pocket.

Reliance General Third-party insurance protects you from the following:

The Reliance General third-party covers the injury as well as death of the third-party passenger caused by insured car in a road accident.
Reliance General third-party car insurance protects the insured from personal accident
Personal accident cover is provided to the owner/driver in the Reliance General third-party insurance.
The policy also provides cover for the permanent disability caused to the third-party.
Property damage cover up to Rs. 1 lakh is provided by the insurance company.

For injury, death and permanent disability caused by the insured car to the third-party in accident is insured that is compensated partially/fully. But the amount provided in compensation is decided by the court.

What Is Not Covered under Reliance General Third-party car insurance?

The exclusions of the Reliance General third-party car insurance are as follows:

If the third-party car insurance policyholder is found drunken driving or under the influence of drugs then insurance company will not provide cover for the third-party loss or damage.
The Reliance General third-party insurance does not cover own damages of the policyholder caused in an accident but the personal accident cover provides financial aid for the loss or damage up to Rs. 15 lakh.
If the third-party car insurance policyholder found driving the car without license then the insurance company will not provide cover for the loss or damage caused to the third-party.

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FAQs

Q1: Is it mandatory to get insured with a third-party cover?

Ans: Yes, if you have a car and want to drive on Indian roads without getting involved in any legal scenarios against you then you must purchase a third-party car insurance policy.
Q2: Is it a punishable offence to not getting insured under the third-party car insurance policy?

Ans: Yes, as per the Motor Vehicle Law 1988, it is a punishable offence to not getting insured with the third-party car insurance policy. You will have to pay the fine as per the law if you get caught by the traffic police without a third-party car insurance.
Q3: Can I purchase add-on if I am only insured with a third-party insurance?

Ans: No, if you are only insured with third-party insurance then there are no add-ons available for you to purchase until you get insured with a comprehensive plan.