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  • Right Green Tick Covers Third Party Person
  • Right Green Tick Covers Third Party Property

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National Third Party Car Insurance

A third party car insurance is the most basic kind of insurance cover which insures the policyholder against all kinds of third party damage. It is necessary for every car owner to have at least a third party car insurance cover, according to the Indian Motor Tariff 2002.

The third party car insurance cover offered by National Insurance Company offers coverage for the following:

  1. Bodily injuries or temporary disability of a third party
  2. Death of a third party
  3. Third party property damage up to Rs. 7.5 lakh

Third Party Car Insurance vs Comprehensive Car Insurance

Basis

Third Party Car Insurance

Comprehensive Car Insurance

Nature of Cover

This cover is basic and mandatory for people owning cars in India.

It is an optional but advised cover for car owners.

Extent of Cover

This cover provides insurance against third party liability only which may arise out of an accident/mishap involving the insured’s car.

This plan secures the policyholder against both third party liabilities as well as own damages of the insured’s car.

Premium

The premium for this plan is relatively low owing to the basic nature of its coverage.

The premium for this plan is relatively high due to its extensive coverage.

Utility

A preferred option for low-cost cars as bearing the cost of repairs would cost less than paying comprehensive insurance premiums

Deemed best for luxury cars as the comprehensive insurance plan covers damages against loss on theft in addition to damages.

National Third Party Car Insurance Coverage

The National Third Party Car Insurance provides a coverage for the following:

  • Insurance cover for third party liabilities- bodily injury as well as death. The amount of compensation is decided by a court of law in such cases.
  • Third party property damage of up to Rs 7.5 lakh.

National Insurance Company also offers an optional personal accident cover of up to Rs. 15 lakh for the policyholder and of up to 2 lakh for unnamed co-passengers of the insured’s vehicle.

The following are not covered under National third party car insurance policy:

  • Damages incurred by the insured vehicle in an accident/natural calamity or any other mishap.
  • Bodily injuries of the policyholder
  • Death of the policyholder in case of no purchase of a personal accident cover.

Explore National Car Insurance

Must Read Articles before buying National Car Insurance

National Car Insurance User Reviews

5.0
Rating based on
96 User reviews
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  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    Read More

    B
    By Bahani Khan
    On: February 25, 2022
  • Learned about claim settlement

    I did not know how the claim settlement works. I visited Insurancedekho and learned everything. Then I made a claim under my National car insurance policy for my Honda CR-V and it got settled instantly.

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    D
    By Debesh Roy
    On: December 21, 2020
  • Best Insurance Company in term...

    My experience has been simply WOW with National insurance. The claim department was really helpful in the settlement and was polite and respectful which I was not expecting from the govt. company.

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    E
    By Ekta Gupta
    On: September 10, 2020
  • Timely settlement of claim

    I recently made a claim under my National car insurance policy that I purchased for my Volkswagen Polo car. The claim settlement process was smooth, hassle-free, and timely. I thank InsuranceDekho’s team for the help.

    Read More

    S
    By Suman Pande
    On: July 10, 2020
  • Easy to make claim

    InsuranceDekho helped me in making a claim last month under my National car insurance policy that I purchased for my Maruti Suzuki Ciaz car. I am really thankful to the staff.

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    J
    By Jai Aneja
    On: July 9, 2020
  • Secured payment gateway at In...

    I purchased a National car insurance policy from InsuranceDekho for my Hyundai Verna car. It was easy to buy policy at the portal and I paid online via secured payment gateway.

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    N
    By Naresh Nangia
    On: July 3, 2020
  • Ease of payment

    I purchased a National car insurance policy for my Honda WRV car at an affordable premium from InsuranceDekho. The portal offered me easy payment options and I paid through a secured payment gateway.

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    S
    By Shivani Joshi
    On: July 2, 2020
  • Got policy documents on time

    I purchased a National car insurance policy for my Honda jazz car from InsuranceDekho last month. I appreciate their process as I got my policy documents on time.

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    P
    By Priya Grover
    On: June 26, 2020
  • Many quotes for car insurance

    InsuranceDekho offers a great number for car insurance policies of which I chose National policy for my Maruti Suzuki Brezza car. The policy is high on benefits and yet is affordable.

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    K
    By Karan Talwar
    On: June 25, 2020
  • Excellent customer support

    The support team at InsuranceDekho is highly professional. It has members with experience and qualification who assisted me a lot to avail National Insurance and to secure Tata Tigor EV car.

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    A
    By Avinash Dixit
    On: June 3, 2020
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National Third Party Car Insurance FAQs

  • Can I buy a car insurance policy from National Insurance online?

    Yes, you can buy the National Third Party Car Insurance online from the company’s website or via our platform InsuranceDekho which enables you to compare policies offered by all leading insurance companies in India.

  • What are the exclusions under the third-party car insurance policy?

    A third party car insurance does not provide coverage for the following: Damages incurred by the insured vehicle in an accident/natural calamity or any other mishap. Bodily injuries of the policyholder Death of the policyholder in case of no purchase of a personal accident cover.

  • Which is more beneficial – comprehensive or third-party insurance?

    Though having a third-party cover ensures necessary security at reasonable premium rates, opting for a comprehensive car ensures a complete and all-around coverage of your car against any kind of possible damage along with loss due to theft of the car.
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