If you own a car, bike, or commercial vehicle in India, you are legally required to have at least third-party motor insurance.
This basic cover protects you against liability for injuries, death, or property damage caused to others.
But here’s the catch — third-party insurance does not cover your own vehicle.
In 2025, with rising accident rates, unpredictable weather, and increasing repair costs, relying solely on third-party cover can leave you at risk of heavy expenses.
What Third-Party Insurance Covers vs. What It Doesn’t
| Aspect | Third-Party Cover | Not Covered |
|---|---|---|
| Liability for Injury/Death | Fully covered as per Motor Vehicles Act | None |
| Damage to Others’ Property | Up to ₹7.5 lakh | None |
| Damage to Own Vehicle | Not covered | Accidents, fire, natural disasters |
| Theft of Vehicle | Not covered | Covered under comprehensive |
| Add-Ons | None | Zero depreciation, roadside assistance, engine protection |
Why Third-Party Alone Isn’t Enough in 2025
- No Own Damage Cover — Accident repairs can cost ₹50,000–₹2 lakh for cars and ₹20,000–₹70,000 for bikes.
- No Theft Protection — Vehicle theft rates in metros are increasing every year.
- No Natural Disaster Cover — Floods, cyclones, and landslides can cause total loss.
- No Add-On Flexibility — Zero depreciation, engine protection, and roadside assistance are only available with comprehensive plans.
Best Approach for Motor Insurance in 2025
- Choose Comprehensive Motor Insurance — Includes third-party + own damage cover.
- Add Useful Riders — Zero depreciation, roadside assistance, return-to-invoice, engine protection.
- Review IDV (Insured Declared Value) — A higher IDV means a higher payout in case of theft or total loss.
Case Example
Ritu had only third-party insurance for her hatchback (small car)
When a tree branch fell during a storm, repairs cost ₹85,000 — all from her own pocket.
A comprehensive plan with natural disaster cover would have cost just ₹2,500 extra per year and saved her the full amount.
eBharat’s Advice
Third-party insurance keeps you legal, but comprehensive insurance keeps you secure.
The small extra premium can save you lakhs of rupees in case of accidents, theft, or natural disasters.
Upgrade Your Motor Insurance for Full Protection
Don’t stop at third-party cover — get comprehensive protection with theft, natural disaster, and zero-depreciation add-ons. Save lakhs in potential repair costs.
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