Thursday, May 23, 2024

What You Should Keep in Mind While Buying Third-Party Car Insurance?

Choosing the right car insurance plan gains the utmost prominence. One needs to analyse all the criteria properly before purchasing the ideal plan that fits their requirements. Also, according to the government’s mandate having third-party car insurance has become compulsory for every car owner to legally drive in India. There are numerous insurance providers in India for you to choose from. However, Bajaj Allianz is the best car insurance provider in recent times. It has quite well-rewarding and best-selling policies that you can consider buying. Here are the things that you should keep in mind while buying third-party car insurance. Read to know more!

Understand your requirements

When you are planning to buy third-party car insurance there are many things to consider. One of the most important is knowing your requirements. If you are looking for the best car insurance then you should know what you are looking for in your insurance policy. You can do a risk assessment according to your area to find your requirements. If your route is accident-free then you can simply pick any normal third-party car insurance. But, if your route is full of accidents and there is heavy traffic on the road when you drive, then you can choose the comprehensive policy with your damage cover.

Compare various quotes online

No matter which policy you are opting for, you should compare it with the other options in the online marketplace. It is the golden rule before purchasing any insurance policy. Today, the market of online insurance companies is very extensive, hundreds of insurers are available in the market with various policies. So, when you plan to buy third-party car insurance you should check various policies and their premiums. You should thoroughly analyse the inclusions and exclusions of the plan before purchasing it. 

You can also explore various reviews and ratings of the insurance provider and policy to find the best car insurance. It is very easy and simple; you can just visit the Bajaj Insurance portal to compare and buy legit and worthy third-party car insurance online.

The cashless facility of your insurance policy

Whenever you look for new third-party car insurance, you should try to buy a policy that offers a vast cashless claim network. It is one of the most important aspects of any insurance policy. Consider you had met with an accident and the third party’s bike repair cost around Rs. 10,000 after calculating everything. And if you have a cashless facility along with your insurance policy, then the insurance provider will pay the amount directly to the garage. 

Whereas if you do not have a cashless facility, then you need to pay for the repairing bills, and then you can claim your money by providing various documents and repairing bills. If you are looking to purchase the best car insurance with a vast cashless network, you can definitely choose Bajaj Allianz car insurance which has more than 7000+ affiliated garages. 

Stress-free claim against your insurance policy

When you opt for new third-party car insurance, you should check whether the company is offering a stress-free claim against the policy. Low-price policies are not always the best, you should find an insurance company that offers easy claim settlement. In addition, also focus on terms and conditions & other documents provided by the insurer before finalizing any third-party car insurance.

Consider add-ons if necessary 

Third-party car insurance only offers coverage for third-party damage and legal liabilities. If you want any specific extra cover, you can opt for add-ons at a stipulated price range. Some of the popular add-ons are roadside assistance, engine protection, zero depreciation cover, etc.


Selecting the right car insurance plan is crucial for every car owner, not only to comply with legal requirements but also to ensure financial security in case of any unforeseen events. It is imperative to thoroughly understand your requirements, assess risks, and choose a policy that aligns with your needs. Comparing quotes from various insurers online enables you to make an informed decision and find the best coverage at competitive premiums. Opting for a policy with a vast cashless claim network like Bajaj Allianz can offer convenience and peace of mind during emergencies. Prioritising stress-free claim settlement and considering add-ons for additional coverage further enhances the protection provided by third-party car insurance. By following these steps and being diligent in your research, you can safeguard your vehicle and drive with confidence on Indian roads.

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