Third-party motor cover and own-damage cover

At a glance

These address different risks. A third-party compensation issue should not be assumed to follow the same terms and process as repair of the insured vehicle.

Law and context

The Motor Vehicles Act requires specified third-party insurance. Own-damage protection depends on the policy and applicable insurance framework. The claimant’s identity, type of loss and policy wording help determine the route.

Practical next step

Read the complete policy, including endorsements and deductibles. Separate injury or death claims from the insured vehicle’s repair claim and retain correspondence for each.

Important qualifications

A package policy does not mean every loss is covered. This guide does not interpret an exclusion or determine liability for a particular accident.

Document checklist

• Full policy and endorsements
• Type-of-loss schedule
• Claim forms and correspondence
• Repair or injury records

Sources

• The Motor Vehicles Act, 1988 — 146,147
• The Consumer Protection Act, 2019 — 2,39

General information. The appropriate course depends on the complete facts, documents and applicable law. Editorial process and website disclaimer.