Kshema Private Car Liability Only Policy

Mandatory third-party liability cover for private cars that protects you from financial liability arising from third-party injury, death, or property damage due to an accident.

Covers third-party injury, death, and property damage, as per policy terms
Personal accident cover of INR 15 Lakh included for the owner driver
Up to INR 2 Lakh personal accident cover for unnamed passengers

A green private car beside a shield carrying a tick

What is Private Car
Liability Only Policy?

The Kshema Private Car Liability Only Policy safeguards you against legal liabilities arising from accidents involving your private car. It covers third-party injury, death, or property damage, while ensuring compliance with the Motor Vehicles Act, 2019.

Meets the mandatory legal requirement under the Motor Vehicles Act, 2019
Covers injury, death, or property damage caused to third parties
Includes personal accident coverage for the owner-driver
Includes personal accident coverage for unnamed passengers

A green hatchback under a shield carrying a tick

Why Choose Kshema
Private Car Liability Only Policy?

Third-party liability cover that fulfils the Motor Vehicles Act, 2019 mandate and provides financial protection to the owner-driver against third-party accident liabilities.

Legal Liability Cover
Protects you from legal liability arising from death, injury, or property damage caused to third parties due to accidents involving your vehicle.
Includes Personal Accident Cover for Owner-Driver
Provides compensation of up to INR 15 lakhs for the owner-driver in case of injury or death resulting from an accident.
Third Party Injury & Property Damage
Covers compensation for third-party claims arising from death, injury, or property damage.
Covers Legal Representation
Includes assistance with legal representation and proceedings related to claims covered under the policy.

Learn the Basics

Important Policy Details You Should Know

Understanding these common terms will help you make better decisions when choosing your car insurance policy.

Third-Party Insurance
Covers damage or injuries caused to another person or property by your insured vehicle.
No Claim Bonus (NCB)
A discount on premium for claim-free years
Own-Damaged Insurance
Covers damage to your vehicle due to accidents, fire or natural disasters.
Premium
The amount you pay for an insurance policy
Insured Declared Value (IDV)
The maximum amount you will get in case of total loss or theft of your vehicle.
CPA (Compulsory Personal Accident Cover)
Provides financial protection against accidental death or disability of the vehicle owner-driver.