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Car Insurance in greater noida, bike insurance,vehicle policy,risk cover,3rd party insurance,third party bima,online policy for car insurnace,door step service for car insurnace,pay online and get policy at door step

3rd Party

Third-party car insurance is the minimum legal level of cover.  

Third-party insurance is purchased by the insured (first party) from an insurance company (second party) for protection against another party's claims (third party).       

Covers injuries caused to other people in an accident, but not damage caused to their property or vehicle. The costs of repairing damage could be substantial - especially if the vehicle or property is quite valuable.

If you're on a tight budget, third party car insurance is the bare minimum level of insurance required by law. It means that compensation will be provided to third parties should you cause damage to their vehicle or property. It also covers any liability for injury to other people, including your passengers.

Relatively basic third-party cover can be bought at a reasonable price, and is enough to get you on the road and provide a degree of peace of mind. But it's worth bearing in mind that protection is limited.

It covers you against:

  •     physical damage to another vehicle or structure;
  •     injuries to a third party or your own passengers; and
  •     medical treatment cost and legal cost claims against you.

Why should you consider third-party cover?

The simple reason is: it’s usually cheap. For young drivers, new drivers or drivers with a provisional licence with limited budgets and cars that are worth relatively little, it can make sense.

If your vehicle is only going to cost a few hundred pounds to replace, it’s arguably not worth paying a similar amount for cover.

Uninsured vehicle owners should pay accident-compensation else vehicle to be auctioned: SC

The new provision states that the vehicle will be seized by the local government, if the vehicle owner fails to compensate for the loss

If you are driving an uninsured vehicle, you could end up losing it. The Supreme Court, in a recent judgement, has asked all the states in the country to ensure that in case of an accident, the owner of an uninsured vehicle is made to pay adequate compensation to the victim's family.

The new rule
A recent Supreme Court judgement clears the air and sets a new provision in place. The court observes, "Where there is no insurance cover for a vehicle, the owner should be directed to offer security or deposit an amount, adequate to satisfy the award that may be ultimately passed, as a condition precedent for release of the seized vehicle involved in the accident. If such security or cash deposit is not made, within a period of three months, appropriate steps may be taken for disposal of the vehicle and hold the sale proceeds in deposit until the claim case is disposed of."

The Supreme Court had taken cognizance of the existing Delhi Government's 'Delhi Motor Accident Claims Tribunal Rules, 2008' and has asked all states) to follow it by issuing notifications within 12 weeks of this judgment that was delivered on September 13, 2018. The Supreme Court specifically says that the appropriate (state) governments may consider incorporation of a rule on the lines of Rule 6 of the Delhi Motor Accident Claims Tribunal Rules, 2008.

The Delhi diktat states "no court shall release a motor vehicle involved in an accident resulting in death or bodily injury or damage to property, when such vehicle is against third party risks unless and until the registered owner furnishes sufficient security to the satisfaction of the court to pay compensation that may be awarded in a claim case arising out of such accident.

Now get higher compensation for third-party motor claims

According to the amendment made in Motor Vehicle Act, 1988, the amount of compensation payable in case of death will be Rs five lakh.

According to the amendment made in Motor Vehicle Act, 1988 through notification dated May 22, 2018, the amount of compensation payable in case of death will be Rs five lakh.

The amount payable as compensation has been decided keeping in view costs of living said the notification.

The notification also states that if the accident results in permanent disability, compensation will be payable based on this formula:
Compensation amount = Rs 5 lakh X percentage disability as per schedule I of the Employee's Compensation Act, 1923.

"As per the earlier law, the minimum amount payable as compensation in case of death was Rs 50,000 and for permanent disability was Rs 25,000. However, these cases used to go to court and the compensation amounts were decided by the courts to settle these claims. Now it stands at Rs 5 lakh for death and Rs 50,000 for permanent disabilities.

The minimum compensation in case of permanent disability of any kind shall not be less than Rs 50,000. However, for accidents resulting in minor injuries, the compensation amount is fixed at Rs 25,000.

The changes have come into effect from May 22, 2018. Therefore, any third-party claims filed on and from May 22, 2018 will be paid as per the amount mentioned above.

The notification also stated that to keep up with the cost of living in the future, the compensation amount will increase by five percent annually for all types of compensations with effect from January 1, 2019.

This means that from January 1, 2019, the amount of compensation payable in the event of death will increase by 5 percent to Rs 5,25,000. Similarly, compensation in case of minor accidents will increase from Rs 25,000 to Rs 26,250.