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IndusInd General Third-Party Car Insurance provides liability-only protection for eligible legal liabilities arising when the insured vehicle causes injury, death or property damage to another party. Third-party motor insurance is mandatory for vehicles used on public roads in India. This policy does not cover accidental damage to the insured car itself, including repairs following a collision, fire or theft. Private-car third-party premiums are determined by the applicable regulated rate structure and depend on factors such as engine capacity, vehicle type and policy tenure. Optional personal accident protection for the owner-driver is subject to applicable requirements, eligibility and the selected cover.
Covers eligible third-party legal liabilities; damage to your own car is not covered
This plan is designed for car owners who need third-party liability cover rather than protection for their own vehicle. Its main benefit is liability protection for covered third-party claims, while the regulated premium structure can make pricing easier to compare across insurers. However, it does not pay for repairs to your own car after an accident or compensate you for its theft or own-damage loss. Owners who also need vehicle-damage protection should assess a separate own-damage policy or a comprehensive package policy. Always review the current policy wording, liability limits, exclusions and any personal accident cover requirements before purchase.
IndusInd General
Key Insights
Founded
2000
IndusInd General was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94.8% CSR, calculated as a 3-year average
IndusInd General settles 94.8% of all claims it receives.
Contact Details
1800-3009
Headquarters: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (East), Mumbai – 400063, Maharashtra, India
Covers eligible legal liability for bodily injury caused to another person by the insured vehicle.
Claims are assessed under applicable law and policy conditions.
Provides cover for eligible legal liability arising from a covered accident resulting in a third-party death.
Compensation is determined under applicable law.
Covers eligible liability for damage caused to another party’s property.
Applicable statutory and policy limits apply.
Private-car third-party premiums follow the applicable regulated rate structure.
Rates can change; confirm the current amount at purchase.
Helps cover eligible third-party liabilities arising from an accident involving the insured vehicle.
Subject to policy wording and applicable law.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
IndusInd General plans and claim process
It covers eligible legal liability for third-party injury, death and property damage, subject to applicable law and policy terms.
At least third-party motor insurance is mandatory for vehicles used on public roads in India.
No. Damage to your own car, including accident damage and theft, is not covered under a third-party-only policy.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official IndusInd General website before purchasing.
Official Website
indusindinsurance.com
Visit the official IndusInd General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The insurer lists annual premiums by engine capacity for private fuel-based cars. Check its current official premium table for applicable rates and taxes.
Eligible third-party property-damage liability is covered subject to applicable limits and policy conditions.
You can explore a separate standalone own-damage policy or a comprehensive package policy, subject to insurer eligibility and terms.