L&T Third Party Insurance is a Third Party Liability Policy provided by Without Roadside Assistance. Details about L&T Third Party Insurance include basic information, covers included in the plan, roadside assistance details, claims and discounts related information and terms and conditions of the policy. L&T customer care number is: 18002095846. This policy cannot be bought online. It provides Third Party liability insurance. The insurance does not provide personal accident cover for owner/ driver. The policy provides personal accident cover for co passengers as an optional cover. L&T Third Party Insurance does not have cashless garages.
Among various covers in L&T Third Party Insurance, some are mandatory covers, while the remaining are optional covers. Optional covers can be selected at an additional premium. Some companies also put a limit on the maximum number of times these covers can be claimed. Comparing L&T Third Party Insurance vs Chola Protect Car Insurance will help you to decide which policy is better. If the insured vehicle is going to be used outside the Indian border, You should avail the geographical area extension; Otherwise the car insurance does not cover any damage to the vehicle, injury to the owner or third party liability outside the Indian border. This cover can be availed for surrounding countries such as, Nepal, Sri lanka, Maldives, Bhutan etc. Geographical area extension is available for most of the car insurance policies as an optional cover.
Some car insurance companies provide cover for the accessories that are not fitted by the car manufacturer. The accessories in a car can be of two types- Electrical accessories and Non-Electrical accessories. L&T Third Party Insurance does not provide cover for electrical accessories fitted in the car. The policy does not provide cover for non-electrical accessories fitted in the car. If you have installed a CNG kit in your car, you also need to buy a CNG kit cover. L&T Third Party Insurance does not provide cover for CNG kit installed in the car.
Roadside Assistance is the emergency on site help provided by the insurer, in case the insured car suffers a breakdown or an accident. L&T Third Party Insurance does not provide roadside assistance. Roadside Assistance by L&T Third Party Insurance does not include towing facility. Assistance related to the keys and fuel is also included in some roadside assistance covers. L&T Third Party Insurance roadside assistance does not include locked/ lost keys related assistance. Fuel delivery is not included in this plan.
The insurance company provides various discounts on L&T Third Party Insurance, which reduce the amount of premium to be paid. No Claim Bonus, Voluntary Discounts, ARAI approved Anti-Theft Device discount are the main discounts that are generally available on car insurance package policies. Apart from these, some companies also provide age based discounts, profession based discounts and membership based discounts.There might be some more Discounts available on L&T Third Party Insurance. Voluntary discount option is also available for the policy. L&T does not provide any additional discount with respect to any Anti-Theft device.
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