What is Third-Party Car Insurance?

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
There are many factors that are taken into consideration when you buy a car insurance policy. The factor which is considered at first is the type of car insurance coverage that you want your plan to have. There are two types of car insurance plans available in Dubai - third party car insurance and comprehensive car insurance. Many people do not understand the difference between these two and end up taking a policy that does not fulfill his/her needs. Therefore, it is recommended to select a type of car insurance policy that meets your needs and affordability.

When we talk in terms of the premium, the third party car insurance plan has a lower premium amount in comparison to the comprehensive car insurance plan. When it comes to coverage, the comprehensive car insurance plan provides wider coverage in comparison to the third party car insurance policy.

In the third party car insurance plan, the insurance company promises to provide you with coverage against legal liability that may arise due to an accident.  However, before selecting any plan, you should consider various important factors such as claim settlement ratio, past records of the insurer, online ratings and reviews, the premium amount, the coverage, etc.

A comparison of different policies can help you to select the best car insurance plan as per your requirements and budget. The mediums such as insurance web aggregators can help you to compare various car insurance plans online.

What are the Advantages of a Third Party Car Insurance Plan?

Third-party car insurance reduces your burden when an accident causes damage or injury to the third-party property or third-party person. Check out some of the major advantages of buying a third-party car insurance plan:

  • Reduces your Financial Burden- You may become legally liable to pay to the third-party when an accident due to your mistake leads to injuries or damages to some person or third-party property. In such a case, your financial burden increases. However, if you have a third-party car insurance plan then the insurance provider pays for your legal liability in consideration of the reasonable premium amount.
  • Helps in any Unforeseen Condition and is Inexpensive Insurance Option- Life is uncertain; it is quite hard to predict what is going to happen next. Sometimes an accident can occur which may increase your burden. In such a condition, a third-party car insurance plan helps the policyholder by paying off the liability. You just have to pay a reasonable premium for third party car insurance cover.
  • Easy and Quick Purchase- These days, when everything is digital, you can easily buy a third party car insurance plan with the help of the online medium. Just a few clicks can make you buy car insurance policy. You can do this according to your schedule and comfort. A plan can be purchased at any hour of the day or night. You need not travel anywhere to buy an insurance policy.
  • Legal Coverage and Financial Assistance Assurance- In a third-party car insurance plan, the insurance company assures the policyholder to pay off his/her liability in case of an unforeseen circumstance. For this, the insurance company charges a reasonable premium amount from the policyholder.

Over to You:

Third-party car insurance provides coverage for your liability that may arise due to an accident by your insured car. If an accident has caused any injury or damage to the third-party or property of the third-party then the insurance company will provide coverage for this liability. The premium paid for such car insurance policies is quite reasonable and affordable. Probably, this is the reason a third-party car insurance plan is mandated by the Dubai government.

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