Third Party Liability Motor Insurance Policy
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Third Party Liability Only Insurance

In order to keep moving, it is essential to safeguard yourself from unexpected and unforeseen mishaps. HDFC ERGO offers Third Party Liability motor Insurance policy that covers your legal liabilities towards third parties for injuries, permanent total disability, death and property damage arising due to any accident involving your vehicle. Our third party insurance policy provides cover against all kinds of vehicles – personal as well as commercial, for worry-free movement on road.

With HDFC ERGOs motor Liability Insurance policy, you can enjoy the benefits of purchasing your motor insurance policy online, 24x7 support from our expert customer care team and quick registration process. Our 3rd party motor policy also provides cover against death, injuries and permanent total disability of the owner-driver. With our third party liability insurance online policy, you can be sure to have peace of mind when on the road.

  • Comprehensive third party insurance plans
  • Complete support offered by our customer care team
  • Ease of instantly purchasing the third party policy online
  • Quick registration process with least documentation
  • Types of Vehicles covered
  • HDFC Third Party Liability Insurance covers two-wheelers, private cars and commercial vehicles.
  • Cover for Third Party Liability
  • The company shall pay for any legal liability arising out of an injury, total permanent disability, death and property damage to a third party, in case of an accident involving your vehicle.
  • Personal Accident Cover
  • HDFC ERGO motor Liability Insurance provides compulsory Personal Accident cover of Rs. 2 lac for private and commercial vehicles and Rs. 1 lac on two-wheelers in case of accident, death and personal total disability to the owner-driver.

Following are exclusions to HDFC ERGOs Third Party motor Liability Insurance policy: -

  • Contractual liability claims
  • Death, that may arise out of or in the course of employment of a person in the employment of the insured or any other person who is liable for reimbursement under this policy or any kind of bodily injuries sustained by a person that may arise in the event of such an employment
  • Liabilities that may arise directly or indirectly from nuclear weapons materials
  • *Please note that the above mentioned points are illustrative exclusions. Kindly refer to policy wordings.

    *This content is descriptive only. Actual coverage is subject to language of the policy issued.

Third Party Liability Insurance FAQs

  • Who can buy third party liability insurance policy?

    Any vehicle owner whose vehicle is registered with the Regional Transport Authority in India can buy this motor policy.
  • Can I port my pre-existing third party liability insurance plan?

    Yes, you can port your existing third party liability insurance scheme from your current insurance company to HDFC ERGOs Third Party Liability plan. You need fill the insurance portability application form and submit it at our office 45 days prior to the last date of renewal of your existing motor policy.
  • Can I purchase third party liability insurance online?

    Yes. HDFC ERGO offers the benefit of purchasing this insurance policy online. You can make payments via our secure payment gateways and get policies without any hassles.
  • What is the amount of premium I will have to pay?

    The payable premium on this motor liability insurance depends upon varying factors. You can easily calculate your premium with the online premium calculator available on our website.
  • How to claim?

    • In case of a third party claim:-
    • Inform us immediately on our toll free number 1800 2700 700
    • After receiving summon from Court, you will be intimated about the claim settlement
    • You are required to submit the claim form along with necessary documents which will be informed to you by our executive.
  • What are the benefits of this insurance plan?

    • HDFC ERGOs third party insurance policy takes care of the following: -
    • Death or bodily injury to a third party
    • Damage to third party property
    • Accidental death of owner-driver
    • Permanent total disability suffered by owner-driver
  • What is the maximum compensation offered to third party property damage under this scheme?

    In case of property damage, compensation will amount to a maximum amount of Rs. 7.5 lacs.
  • What is the period of this policy?

    A third party insurance plan by HDFC ERGO is usually valid for a period of one year and has to be renewed before the due date. Please note, no grace period is granted for paying the premium.
  • What is the procedure of recording changes in the policy?

    In case there are changes in the motor policy like change of insured's address or modifications to the plan, it will be done by an 'endorsement'. You need to submit a letter to HDFC ERGO with proof of the changes and obtain the endorsement. Please note, some endorsements may require you to pay an additional amount of premium.
  • have lost my insurance policy. Can I get a duplicate copy?

    Yes, please approach HDFC ERGO's office with a written request. A nominal fee shall be charged for issuing a duplicate copy.
  • Is Service Tax applicable and what is the amount?

    Yes, Service Tax is applicable and would depend upon the pre-existing rule of law.