Shriram General Third-Party Car Insurance

A third-party insurance policy provides financial aid to the insured in case he/she meets an unforeseen road accident and is responsible for it that causes injury, death, permanent disability, third-party car damage, etc. Being insured with third-party car insurance also fulfills the legal liability of having third-party car insurance as per the Motor Vehicle Act, 1988.

Shriram General Third Party Car Insurance Vs Comprehensive Car Insurance

Before getting car insurance take a look at the key differences between Digit Third Party Car Insurance and Digit Comprehensive Car Insurance in the table below:

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Shriram General Third Party Car Insurance: Inclusions

Shriram General third-party car insurance by Shriram General provides cover for the third-party liabilities for which the insured car is responsible. The Shriram General Insurance Company compensates for the third-party damages on behalf of the insured. Hence, it keeps the insured in peace and not worry about unforeseen expenses.

Shriram Third Party Car Insurance covers the policyholder against the following:

• Third Party Property Damages– Shriram General third-party insurance compensate for any kind of damage or loss caused to the third-party by the insured car in an unforeseen road accident.
• Personal Damages to Third Party–Shriram General third-party insurance plan provides cover for the personal damages caused to the third-party such as bodily injury, death, permanent disability, etc.
• Third Party Vehicle Damages– Any damage caused to the third-party vehicle is covered under this insurance plan.
• Personal Accident Cover– The insurance provides cover for personal accident up to Rs. 15 lakh to the insured owner/driver of the car in case the accident leads to death or disablement. However, if the policyholder already has a personal accident cover, he/she does not have to buy it again.

Shriram General third-party car insurance provides cover for the third-party car insurance or property damage up to Rs. 7.5 lakh but the compensation provided by the insurance company will rely on the Motor Accidents Claims Tribunal.

Shriram General Third Party Car Insurance: Exclusions

The following adversities are not covered under a Shriram General Third Party Car Insurance policy:

• Own Damages– No coverage is provided for the own damage caused to the insured car due to road accident, natural calamity, car theft, fire, etc.
• Drunk Driving– Third-party car insurance plan will not provide cover for the third-party liabilities if the insured car’s driver is found driving under the influence of alcohol.
• Driving Without License– Third-party car insurance will not provide cover for the third-party liabilities if the insured car’s driver is found driving without a valid driving license.
• Contractual Liability– Shriram General third-party car insurance will not provide cover for any kind of contractual liability.
• Driving Without a Valid License Holder– No third-party liability cover will be provided by the insurance company to the insured if the driver holding a learners license is driving without a valid license holder sitting beside him on the conductor seat.
• War and Nuclear Perils– The insurance company will not provide cover for any third-party liabilities caused because of civil war, war like situation, act of war or nuclear weapons.