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4.4

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होम / मोटर इंश्योरेंस / कार इंश्योरेंस / थर्ड पार्टी इंश्योरेंस
आपके कार इंश्योरेंस के लिए तुरंत कोटेशन

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थर्ड पार्टी कार इंश्योरेंस

Third Party Car Insurance

Third party car insurance is a type of motor insurance cover that protects you against financial liabilities if your car causes injury, death, or damage to someone else’s property. It does not cover any damage to your own vehicle.

As per the Motor Vehicles Act, 1988, this cover is mandatory for all car owners in India. Driving without valid third party insurance can lead to penalties.

What is Third Party Car Insurance?

It is a car insurance policy that pays for damages or harm caused to a third party. This type of policy is useful because accidents can happen anytime, and even small incidents can result in expensive medical bills or property repairs. With third party liability car insurance, those costs are handled by the insurer instead of coming out of your pocket.

If you want wider protection for your own vehicle as well, you have two options:

  • Standalone Own Damage Cover, which protects your car against accidental damage, fire, theft, floods, etc.
  • Comprehensive car insurance, which covers both thirdparty liabilities and own damage under a single plan. This is suitable for new cars, second hand car insurance, and everyday city driving.

If you are comparing options, you can use a car insurance calculator or compare plans based on coverage, add-ons, pricing, and claim support. This helps you decide whether to only buy third party car insurance or upgrade to a comprehensive plan.
अधिक पढ़ें

What Are the Features & Benefits of Third Party Car Insurance?

Buying third party car insurance online makes it easier to stay legally compliant while enjoying quick access to essential coverage and policy management.

प्रमुख विशेषताएंलाभ
प्रीमियमStarts @ ₹2,094* (as per IRDAI schedule & vehicle segment)
Legal ComplianceMeets mandatory Motor Vehicles Act requirement - drive legally on Indian roads
खरीदने का प्रोसेसBuy online in just a few minutes via HDFC ERGO with instant policy issuance
क्लेम सेटलमेंटQuick and easy claim support with a dedicated team
Third Party Liability CoverCovers injury, death, or property damage to third parties caused by your vehicle
थर्ड पार्टी की प्रॉपर्टी का नुकसानCompensation for third party property/vehicle damage (up to IRDAI-defined limits)
पर्सनल एक्सीडेंट कवरPA cover for owner-driver up to ?15 lakhs~*
Digital Policy AccessPolicy available instantly via email - no paperwork needed
Customer Support24/7 claim & policy assistance via website, phone, and digital channels
Premium Set by RegulatorPremium rates governed by IRDAI based on vehicle engine capacity for transparency

थर्ड पार्टी कार इंश्योरेंस कैसे काम करता है?

Third party car insurance protects you against financial liabilities if your car causes injury, death, or property damage to someone else. It is a mandatory form of motor insurance in India and must be active whenever you drive on public roads. Here’s a general gist of how it works:

You Buy a Third Party Insurance Policy icon

You can buy third party car insurance online or offline. Online options make it easier to compare car insurance plans, check prices, and complete payment instantly.

Your Vehicle Is Involved in an Incident icon

If your car hits another person, another vehicle, or someone’s property, it becomes a third party claim situation. Damage to your own car is not covered. For that, you need comprehensive car insurance or standalone own damage cover.
Did you know
Driving without valid third party car insurance in India can lead to fines starting
from ₹2,000, increasing to ₹4,000 for repeat offences, and may even include
imprisonment or suspension of your licence. [2]

What is Covered and Not Covered Under Third Party Insurance?

To understand the scope of protection offered by third party insurance, it is important to know exactly what is covered in the policy and what is not covered.

Third Party Liability

थर्ड पार्टी लायबिलिटी

If your car injures another person during an accident, or they pass away as a result of the accident, we help cover their medical or compensation costs.

Third Party Property Damage

थर्ड पार्टी की प्रॉपर्टी का नुकसान

If your car damages another person’s vehicle or property, we cover repair or replacement costs up to ₹7.5 lakhs.

Personal Accident

पर्सनल एक्सीडेंट

पर्सनल एक्सीडेंट

भारत में थर्ड पार्टी इंश्योरेंस क्यों अनिवार्य है?

भारत में एक कार मालिक के रूप में, आपको कार इंश्योरेंस की कानूनी अनिवार्यता और उसकी व्यावहारिकता दोनों के बारे में जानकारी होनी चाहिए. मोटर वाहन अधिनियम 1988 के अनुसार, सभी कारों के लिए कम से कम थर्ड-पार्टी कवरेज के साथ मान्य कार इंश्योरेंस होना अनिवार्य है. इसके बिना, आपको भारत में सार्वजनिक सड़कों पर कानूनी रूप से अपनी कार चलाने की अनुमति नहीं है. जो व्यक्ति इस कानून का पालन नहीं करते हैं, उन्हें पकड़े जाने पर जुर्माना या जेल की सज़ा भी हो सकती है. आसान शब्दों में, सड़क पर चलने वाले प्रत्येक कार ड्राइवर के पास अपने वाहन के लिए कम से कम थर्ड-पार्टी इंश्योरेंस होना चाहिए.

यह मैंडेट क्यों मौजूद है, इसका एक प्रमुख कारण है. आप समझते हैं कि कार दुर्घटना की स्थिति में, आप और एक्सीडेंट में शामिल थर्ड पार्टी दोनों को ही शारीरिक चोट पहुंच सकती है या संपत्ति का नुकसान हो सकता है. अगर आपकी कार से थर्ड-पार्टी को नुकसान होता है, तो आप नुकसान के लिए भुगतान करने के लिए उत्तरदायी होंगे. इसलिए, थर्ड-पार्टी कवरेज वाला इंश्योरेंस होने से यह सुनिश्चित होता है कि प्रभावित थर्ड पार्टी को इंश्योर्ड कार के कारण होने वाले किसी भी नुकसान/हानि के लिए तुरंत क्षतिपूर्ति दी जाए.

Did you know
Despite third party car insurance being compulsory in India, more than half of all
vehicles on Indian roads are reportedly uninsured. [2]
Get your car the mandatory protection from HDFC ERGO now!

Comprehensive Or Third Party Car Insurance - Which is Better for You?

Choosing the right car insurance policy depends on understanding how comprehensive and third party covers differ in terms of protection, cost, and suitability.

पैरामीटरथर्ड पार्टी इंश्योरेंसकॉम्प्रिहेंसिव कार इंश्योरेंस
Accidental damage to own carclosecheck
Theft of carclosecheck
Natural disasters (floods, cyclones, storms)closecheck
Fire, explosion, vandalism, riotsclosecheck
Damage to third party vehicle/propertycheckcheck
Injury or death of a third partycheckcheck
Personal Accident Cover (owner-driver)checkIncluded (mandatory)checkIncluded (mandatory)
Coverage for passengersclosecheckCan be added
Add-on covers (zero dep, engine protection, RSA, RTI, etc.)closecheckउपलब्ध है
Option to customise IDVclosecheckहां
Car insurance premium costकमHigher (due to wider coverage)
Recommended forBudget-limited drivers, old cars, very low-usage vehiclesNew cars, high-value cars, regular drivers, anyone seeking full protection
Financial protection levelBasic (third party only)Complete (own damage + third party)

How Is Third Party Car Insurance Different from Own-Damage Cover?

To choose the right level of car insurance protection, it is important to understand how third party car insurance differs from own-damage cover and what each of them is designed to protect.

Comparison Parameterथर्ड पार्टी कार इंश्योरेंसOwn-Damage (OD) Cover
Purpose of CoverageCovers legal liabilities if your car injures someone or damages their property.Covers damages to your own car due to accidents, fire, theft, natural disasters, and vandalism.
कानूनी आवश्यकताMandatory under the Motor Vehicles Act, 1988 to drive legally in India.Optional but recommended for better financial protection.
Premium & PricingPremium is fixed by IRDAI and remains the same across insurers.Premium varies based on car age, model, and location.
Customisation & Add-onsCannot be customised or upgraded with add-ons.Allows add-ons such as zero depreciation, engine protection, roadside assistance, etc., for extra protection.
Claim ResponsibilityClaims are usually processed through the Motor Accident Claims Tribunal (MACT).Claims are raised directly with the insurer, who pays for repairs at authorised garages.
Protection LevelEnsures legal compliance only.Offers financial protection against unexpected repair expenses for the insured car.
Best Option ForAnyone who wants to meet legal requirements at minimum cost.Anyone who wants to protect the value of their own car (new or used) from potential losses.

What Are the Third Party Insurance Premium Rates?

The IRDAI determines the third party car insurance premium. The rate differs as per the car’s engine cubic capacity.

इंजन क्षमताTP Premium for Renewal of existing vehicle (Annual)*TP Premium for New Vehicle (3 Years Policy)
1,000cc से कम₹2,094₹6,521
1,000cc से अधिक लेकिन 1,500cc से कम₹3,416₹10,640
1,500cc से अधिक₹7,897₹24,596

How Can You Calculate Your Third Party Car Insurance Premium?

HDFC ERGO offers an easy online car insurance calculator to help you estimate your third party car insurance premium in just a few clicks.

1: Open the Online Calculator

Go to the HDFC ERGO website and open the third party car insurance calculator tool.

2: Enter Basic Vehicle Details

Fill in basic details like fuel type, car type, engine capacity, etc.

3: View Your Premium

Once you enter these details, the third party car insurance premium is displayed instantly as per IRDAI-prescribed rates.

Example:

Suppose you have a petrol car with a 1200cc engine. You enter:

• Fuel Type: Petrol

• Car Type: Private

• Engine Capacity: 1200cc

In the calculator, this might show a third party insurance premium of around ₹3,000 (figures may vary slightly based on the latest IRDAI schedule).

This means if you buy third party car insurance online with these details, your insurance cost will be around that amount.

Calculate your premium now!

What Add-Ons Are Available with Third Party Car Insurance Policies?

A third party car insurance policy only covers damage or injury caused to other people or their property. Since it does not protect your own car, most add-ons cannot be attached directly to a pure third party car insurance plan.

Once an OD or comprehensive plan is active, many add-ons become available.

1

Personal Accident (PA) Cover for Owner-Driver

This cover gives financial support to the owner-driver in case of accidental injury, disability, or death while driving the insured car. It is mandatory unless already taken under another motor insurance policy.

2

PA Cover for Passengers

This provides financial protection to unnamed passengers if they suffer injuries or death due to an accident involving the insured car. You can choose it while buying TP + OD or comprehensive plans for better safety.

3

Personal Belongings Cover (Only if OD Component Exists)

When an OD component exists with your third party coverage, you can opt for this cover to protect belongings like laptops, bags, or gadgets if stolen from the locked car.

4

Roadside Assistance (RSA) – Available Only When OD Exists

When a TP policy is combined with an OD component, Roadside assistance cover becomes available. It provides essential support, such as towing service, flat tyre service, support for battery jump-start, fuel delivery, and assistance during mechanical breakdowns.

5

Zero Depreciation Cover - Available Only When OD Exists

With an OD or comprehensive policy, this add-on ensures that depreciation is not deducted during claims. It allows higher claim payouts, especially for expensive parts like fibre and plastic. It is popular for new and second hand car insurance purchases.

6

Engine Protection Cover - Available Only When OD Exists

Engine Protection cover protects against non-accidental engine damage caused by events such as water ingression or oil leakage. It is useful for cars in flood-prone cities and can be added only when an OD cover exists.

What Factors Affect Your Third Party Car Insurance Premium?

Various factors affect the car insurance premium value. In the case of third party car insurance, the premium itself is regulated and fixed by the IRDAI, but a few conditions still play a role in determining how much you eventually pay.

1

आपकी कार की इंजन क्षमता

The premium for third party insurance is primarily based on the vehicle’s engine capacity. For instance, the premium starts at ₹2,094 for cars with engines up to 1000cc.

Cars with engines between 1000cc and 1500cc, and those above 1500cc, fall under higher premium slabs. The more powerful the engine, the higher the premium payable.

2

पॉलिसी की अवधि

When purchasing a brand-new car, you must buy a mandatory three-year third party cover. This long-term tenure increases the upfront payment value, as the premium for the next three years is paid in a single lump sum.

Although the cost may seem higher at first glance, the advantage is that you stay protected from annual premium revisions during those years.

3

IRDAI के रिव्यूज़

The IRDAI reviews and updates third party premium rates on the basis of factors like claim trends, inflation, rising repair costs, and accident statistics across India. Depending on these evaluations, premiums may increase or decrease.

Your policy amount will always reflect the latest rate applicable for your vehicle category at the time of purchase or renewal.

4

Geographical registration zone

While third party rates are fixed, the risk profile of the region where your car is registered can influence the risk factor. Urban areas and metro cities generally witness more accidents (78% of all accidents in 2024) as compared to smaller towns. [3] Although the base third party premium value remains the same, geographical risk factors can often affect future revisions carried out by the IRDAI.

5

Nature of vehicle usage

Private cars usually attract lower third party premiums as compared to the vehicles used commercially. Commercial use naturally involves increased road exposure, resulting in a higher likelihood of claims. For personal-use vehicles, the standard Third Party (TP) rates apply, but the classification of usage still determines which premium slab is applicable.

6

CNG or LPG kit installation

If your vehicle is fitted with a Compressed Natural Gas or Liquefied Petroleum Gas kit, an additional premium is often charged as per liability. This is due to the added risk associated with alternative fuel systems. While the basic third party premium pricing is fixed, declaring the kit is mandatory to ensure correct premium calculation.

Who Should Buy a Third Party Car Insurance Policy?

Third party car insurance is mandatory for all vehicle owners in India, but it is especially suitable for certain types of drivers and cars. Here are the types of people who may find it most relevant:

Owners of cars that are rarely used icon

People who own a spare car or a secondary vehicle that stays parked most of the time can choose third party car insurance for legal compliance at a low yearly cost.

Owners of very old or low-market-value vehicles icon

If the vehicle is old or has a low resale value, including certain vintage or out-of-production cars, paying for comprehensive car insurance may not feel worthwhile. In such cases, TP helps keep the car road-legal with minimum expenses.

How To Claim Third Party Car Insurance Online?

Claiming under third party car insurance involves a legal process because the compensation is paid to the affected third party. Here’s how the claim typically works in a simple way:

• Collect Required Details and Documents

Try to gather details of the vehicle that caused the damage such as registration number, insurance policy number, and third party insurance details. Copies of the FIR, charge sheet, and medical/property damage proofs are also needed.

• Submit a Compensation Claim to MACT

Claims under third party liability car insurance are handled by the Motor Accident Claims Tribunal (MACT). The claim can be filed in the area where the accident took place or where the claimant lives.

• Insurer Assesses and Settles as per Tribunal Order

After review, the MACT decides the compensation amount based on injury, disability, death, or property damage. The insurer of the offending vehicle then pays the approved amount as per third party insurance coverage terms.

What Are the Documents Required to File a Third Party Claim?

For a third party car insurance claim, here are the documents you will need to submit:

Required DocumentDescription / Purpose
Duly filled & signed claim formUsed to register the third party motor insurance claim.
Copy of third party car insurance policyProof of valid third party insurance coverage at the time of the incident.
Copy of FIR filed with local policeActs as an official record of the accident for legal verification.
Copy of Registration Certificate (RC)Confirms ownership and vehicle details.
Copy of Driving License (DL)Verifies that the driver was legally permitted to drive.
Photo/Video evidence of incidentSupports the claim with visual proof of damage or injury.
Copy of at-fault party’s car insuranceRequired to establish which insurer is liable to pay.
Additional documentation (if required)May include medical bills, repair estimates, witness statements, etc.

What Are the Advantages and Disadvantages of Third Party Car Insurance?

Understanding the benefits and drawbacks of third party car insurance helps you decide if it suits your driving needs or if you should consider other options.

Third party insurance offers the following benefits:

Legally compliant at a low cost

Legally compliant at a low cost

Third party insurance price is lower than a comprehensive plan and fulfils the legal requirement under the Motor Vehicles Act.

Financial protection for third party losses

Financial protection for third party losses

If your vehicle causes injury, disability, death, or property damage to others, the insurer pays compensation on your behalf.

Standardised premium

Standardised premium

Third party car insurance premium is regulated by IRDAI. This makes it predictable and budget-friendly, especially for old or low-value cars.

Good option for low-usage vehicles

Good option for low-usage vehicles

It is ideal for cars that are rarely driven, used occasionally, or kept in storage.

Here are some limitations you should consider before you buy third party car insurance:

No coverage for your own car

No coverage for your own car

Damage to your vehicle due to accidents, fire, theft, vandalism, or natural disasters is not covered.

War & Nuclear Risks

Legal process may take time

Third party liability car insurance claims may be settled through MACT (Motor Accident Claims Tribunal), which can involve legal timelines.

No add-ons allowed

No add-ons allowed

Add-ons like zero depreciation, engine protection, No Claim Bonus or NCB protection, or roadside assistance cannot be added to a standalone third party policy.

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टेस्ला कार इंश्योरेंस   

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मुंबई में कार इंश्योरेंस बेंगलुरु में कार इंश्योरेंस पुणे में कार इंश्योरेंस
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Did you know
IRDAI थर्ड पार्टी कार इंश्योरेंस प्रीमियम निर्धारित करती है. इस समय भारत में थर्ड पार्टी कार इंश्योरेंस ₹2094*/वर्ष से शुरू होता है.

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एचडीएफसी एर्गो का सिस्टम बेहतरीन है और उनका स्टाफ भी बहुत समझदार है. वे क्लाइंट की ज़रूरतों को अच्छे से समझते हैं. मेरी समस्या का समाधान मात्र 2-3 मिनट में हो गया. बहुत अच्छे.
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एचडीएफसी एर्गो की चैट टीम मेंबर ने मुझे यह जानने में मदद की कि eKYC मेरी पॉलिसी से लिंक हुआ है या नहीं. कस्टमर केयर एग्ज़ीक्यूटिव ने मुझे इसे लिंक करने का तरीका भी समझाया. मुझे आपके एग्ज़ीक्यूटिव से जल्दी मदद पाकर और उनका अच्छा स्वभाव देखकर बहुत खुशी हुई.
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आपकी कस्टमर केयर टीम से फौरन जवाब पाकर मुझे बहुत अच्छा लगा. धन्यवाद.
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वाकई आपके गिंडी ऑफिस में कस्टमर सर्विस का मेरा अनुभव शानदार रहा.
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आपकी कस्टमर केयर टीम द्वारा बेहतरीन सर्विस.
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मुझे लगता है कि एचडीएफसी एर्गो का सिस्टम कुशलता से काम करता है और उन्होंने क्लाइंट की समस्याओं का समाधान करने के लिए अच्छी तरह से प्रशिक्षित स्टाफ को नियुक्त किया है. मेरी समस्या का समाधान मात्र 2-3 मिनट में ही कर दिया गया था.
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आपके कस्टमर केयर एग्जीक्यूटिव ने मुझे आसानी से यह जानने में मदद की कि ekyc मेरी पॉलिसी से लिंक है या नहीं. मैं उनके हेल्पिंग नेचर की तारीफ करना चाहूंगा.
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चेन्नई की आपकी गिंडी ब्रांच के कस्टमर सर्विस ऑफिसर के साथ मेरा अनुभव काफी अच्छा रहा.
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तुरंत जवाब देने के लिए एचडीएफसी एर्गो की कस्टमर केयर टीम का शुक्रिया.
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एचडीएफसी एर्गो का प्रोसेस आसान है और मेरे मेल पर हर बार आपकी टीम तुरंत ज़वाब देती है.
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कस्टमर केयर एग्जीक्यूटिव बहुत ही विनम्र और सौम्य थे. आपकी टीम के सदस्य टेलीफोन पर बात करते समय सर्वश्रेष्ठ शिष्टाचार अपनाते हैं और उनकी आवाज़ और बातचीत का लहज़ा प्रभावी है.
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मुझे कहना है कि एचडीएफसी एर्गो अपने कस्टमर को सर्वश्रेष्ठ सर्विसेज़ प्रदान करता है.
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एचडीएफसी एर्गो सर्वश्रेष्ठ कस्टमर कार सर्विस प्रदान करता है. मुझे उनकी यह आदत पसंद है कि वे समस्या उठाए जाने पर तुरंत जवाब देते हैं और फौरन उस पर काम शुरू कर देते हैं.
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मेरी कॉल अटैंड करने वाले कस्टमर केयर एग्जीक्यूटिव अत्यंत विनम्र थे, और उन्होंने मेरी समस्या का समाधान करने के लिए मुझे तीन बार कॉल की. बेहतरीन कस्टमर केयर रवैये के लिए कस्टमर केयर टीम को पूरे अंक मिलने चाहिए.
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आपके सेल्स मैनेजर ने काफी मदद की और उन्होंने पॉलिसी रिन्यू करवाने में महत्त्वपूर्ण भूमिका निभाई.
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एचडीएफसी एर्गो घर पर सेवाएं प्रदान करता है और अपने कार्य में उत्कृष्ट है. जब भी मैंने आपकी टीम से संपर्क किया है, तो उन्होंने मेरी समस्या का तुरंत समाधान किया है.
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मैंने अपने फोर-व्हीलर के लिए पहली बार एचडीएफसी एर्गो को चुना है और मुझे यह कहते हुए खुशी हो रही है कि वे वाकई बहुत अच्छी सेवा प्रदान करते हैं. कस्टमर का कीमती समय बचाने के लिए सेल्फ-इंस्पेक्शन बहुत अच्छा विकल्प है. हमेशा अच्छा कस्टमर अनुभव प्रदान करने के लिए एचडीएफसी एर्गो टीम को मेरा धन्यवाद.
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हम किसी भी समय एचडीएफसी एर्गो कार इंश्योरेंस पॉलिसी का विवरण आसानी से देख सकते हैं. आपके कस्टमर केयर प्रतिनिधियों का स्वभाव बहुत अच्छा है.
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एचडीएफसी एर्गो की कस्टमर सर्विस टीम का स्टाफ बहुत अच्छा है. मुझे उम्मीद है कि वे अपने पॉलिसीधारकों को बेहतरीन सेवाएं प्रदान करते रहेंगे.
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लेटेस्ट थर्ड पार्टी कार इंश्योरेंस ब्लॉग्स पढ़ें

Third Party Car Insurance: Is It Mandatory in India?

थर्ड पार्टी कार इंश्योरेंस: क्या भारत में यह अनिवार्य है?

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Frequently Asked Questions about Third Party Car Insurance

1) Does third party car insurance cover theft?

No, it does not cover theft. 3rd party car insurance only covers third party liabilities (injury, death, or property damage). Theft, floods, and own car damage are covered only under comprehensive car insurance.

2) Is third party mandatory for three years?

For new cars, a 3-year third party car insurance policy is mandatory as per MoRTH rules (since Sept 1, 2018). Existing cars can renew TP yearly. [4]

3) What is 1st party, 2nd party, and 3rd party insurance?

1st party = policyholder, 2nd party = insurer, 3rd party = anyone injured or whose property gets damaged. Third party car insurance covers the policyholder’s legal liability.

4) What is the purpose of third party insurance?

The purpose is to cover legal liabilities if your car causes injury, death, or property damage to others. It prevents out-of-pocket payouts in such cases.

5) Does 3rd party car insurance cover accidents?

Yes, but only for third party losses (injury, death, or property damage). Damage to your own car is not covered.

6) How can I claim third party insurance?

Inform the insurer, file an FIR, and the affected party will raise a claim through the Motor Accident Claims Tribunal (MACT). The insurer pays compensation as per the order.

7) Is only third party insurance enough? Why?

No. While third party insurance is mandatory, a Personal Accident (PA) cover is also compulsory. TP alone doesn’t cover your own car damage. Comprehensive protection further increases the coverage scope.

8) Which policy is better, comprehensive, or third party?

Comprehensive car insurance offers wider protection (own damage + third party), while third party is basic liability cover. Comprehensive is better for full protection.

9) What are the benefits of third party car insurance?

Third party car insurance covers legal liabilities arising from third party injury, death, or property damage and keeps you compliant with motor insurance laws.

10) Can I skip buying third party car insurance? I drive my vehicle well.

No, you cannot skip buying third party car insurance coverage. It is a mandatory requirement as per the Motor Vehicles Act, 1988.

11) How much time do I get to raise a claim on a third party car insurance policy after an accident?

You should inform the insurer within 36–48 hours for smooth processing. Delays may complicate assessment.

12) Can I get zero depreciation cover under my third party car insurance?

No. Add-ons like zero depreciation are not allowed under standalone TP policies

13) What is a deductible in third party car insurance?

Deductibles apply mainly in own damage claims. TP has no deductible because it only covers third party losses.

14) Can third party insurance be bought online?

Yes. You can buy third party car insurance online instantly with zero paperwork through insurers like HDFC ERGO.

15) Can add-ons be included in third party insurance?

No, you cannot include add-ons in a third party insurance policy.

16) What if someone else was driving my car during the time of the accident? Will third party insurance cover my losses?

Yes, Coverage applies as long as the person had a valid driving licence and used the vehicle with your consent.

17) Can I renew a third party car insurance policy online if it was originally purchased offline?

Yes. You can renew a third party car insurance policy online even if you originally purchased it offline.

18) If the premium is the same across insurers, how should I compare third party car insurance providers?

Compare based on claim settlement ratio, claim support, digital services, and customer reviews—not price (since TP price is fixed by IRDAI).

19) Does my car’s model affect the purchase of a third party insurance policy?

The car insurance premium is based on engine or battery capacity, not the model. For example, cars <1000cc have lower third party prices

20) What are the disadvantages of third party car insurance?

थर्ड पार्टी कार इंश्योरेंस आपकी खुद की कार के नुकसान या चोरी के लिए भुगतान नहीं करता है; ये आपको खुद करना पड़ता है.

21) What is not covered in third party insurance?

Your car’s damage, theft, personal accident claims, and other general exceptions aren’t covered; it only protects the ‘other’ or the third party person’s damages.

22) What happens if a third party is not insured?

The driver/owner must pay all expenses out of pocket and may face fines or imprisonment as per the Motor Vehicles Act.

23) Is it better to get third party insurance?

Choose third party if you want the cheapest legal cover or use an old car occasionally. Otherwise, comprehensive is better for wider protection.

Did you know
As per a report, India may become the largest Electric Vehicles market by 2030!
Your EV also requires mandatory third party coverage.
Insure your EV with HDFC ERGO car insurance now! [5]
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अवॉर्ड और सम्मान

ICAI Awards 2015-16आईसीएआई अवार्ड्स 2015-16
SKOCH Order-of-MeritSKOCH ऑर्डर-ऑफ-मेरिट
Best Customer Experience Award of the Yearबेस्ट कस्टमर एक्सपीरियंस
अवॉर्ड ऑफ द इयर
ICAI Awards 2014-15आईसीएआई अवार्ड्स 2014-15
ICAI Awards 2015-16आईसीएआई अवार्ड्स 2015-16
SKOCH Order-of-MeritSKOCH ऑर्डर-ऑफ-मेरिट
Best Customer Experience Award of the Yearबेस्ट कस्टमर एक्सपीरियंस
अवॉर्ड ऑफ द इयर
ICAI Awards 2014-15आईसीएआई अवार्ड्स 2014-15
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अंतिम अपडेट: 2023-02-20

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