As per the guidelines of IRDA, even though there is not any limit in case of death, the home harm include is restricted approximately Rs. 7.5 lakh in case of auto insurance and Rs.1 lakh in case of two wheeler insurance. It is better sticking to third party liability insurance http://manuelwzbdd.thezenweb.com/The-2-Minute-Rule-For-Third-Party-Liability-Insurance-30255219