Policy snapshot
A legally mandatory motor insurance policy that covers your liability towards third parties for injury, death or property damage.
What is Third-Party Motor Insurance?
Third Party Motor Insurance is a basic motor policy that protects you from legal liabilities arising out of accidental damage, injury or death caused to a third party by your vehicle.
What can it cover?
- Legal liability for third party bodily injury or death
- Third party property damage up to specified limits
- Coverage as required under the Motor Vehicles Act
Who should consider it?
- All vehicle owners who want minimum legally required cover
- Users looking for the most basic and affordable protection
Key features to understand
- Mandatory by law
- Affordable basic cover
- Protects against large third party claims
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.