Third Party Car Insurance

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Buy/Renew Third Party Car Insurance Online in India in 2024

Get protection against any loss or damage to a third party due to your car with Digit four-wheeler insurance third party policy online! With the most affordable premiums fixed by IRDAI, car insurance third-party cover is a good choice for budget-conscious drivers.

What is Third Party Car Insurance?

Third-party car insurance, which is also called third party liability insurance, covers you against any liability which can happen in case of any loss or damage caused to any third-party vehicle, person or property. Unfortunately, it doesn’t cover your own vehicle damages.

A Third-Party Car Insurance is mandatory by the Motor Vehicles Act in India without which you will be liable for a heavy fine; whilst it also protects your pocket from any losses that could arise if your car were to damage any third-party vehicle, person or property.

For example, if you accidentally damage another car’s headlights, your third-party car insurance will cover for the losses incurred to the third-party due to the same.

However, you can compare car insurance policies – comprehensive car insurance and Own Damage cover to get which suits you the most.

Important Statistics about Third-Party Car Insurance in India

Here are some important statistics about third-party car insurance in India:

What’s Covered in a Third Party Car Insurance?

Personal Damage to Third Party

For those unfortunate situations when your car causes any physical injuries and in the worst case, death to a third-party person. Your third-party car insurance covers for all the expenses and losses that may arise due to the same.

Damages to Third-Party Property/Vehicle

Everyone makes mistakes. This one covers for you if your car damages someone else’s vehicle, house or property up to 7.5 lakhs.

Personal Accident Cover for Owner-Driver

If you don’t already have a Personal Accident Cover, this cover can be included in your Third-Party Car Insurance to protect you from losses that could arise if you are physically injured due to an accident.

What’s not Covered in Third Party Car Insurance?

It is equally important to know what’s not covered in your Third party car insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Key Features of Third Party Car Insurance by Digit

Key Features	Digit Benefit
Premium	Starting from ₹2,094/-
Buying Process	Smartphone-enabled process. Can be done in 5 minutes!
Personal Damages to Third-Party	Unlimited Liability
Property Damages to Third-Party	Up to 7.5 lakhs
Personal Accident Cover	Up to 15 lakhs
Personal Accident Cover Premium	₹220/-

What our customers have to say about us

Ravi Mishra

Team Go Digit, Really appreciate your support and quick response. Actually my car was hit from behind by motorcycle. Rear bumper, trunk and tail light was broken. They quickly give response and things make easy cash less and paper less. Good job buddy.

Deepak Kotian

Excellent service it was paperless claim register and settlements. Thank you, Mr.Aravind Reddy & team, for your support & quick response. Highly recommend Go digit Car insurance for their professionalism & commitment.

Trishant Verma

This is second time i renewed my car policy through digit. It was the digit executive Gokul Iyengar who made every effort to satisfy me and give the best offer. Hope I will get the same support and service throughout the year.

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Types of Car Insurance Plans in India

Third Party Liability Policy

A third-party car insurance is one of the most common types of car insurance; in which only damages and losses caused to a third-party person, vehicle or property are covered.

Comprehensive Policy

Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.

Standalone Own Damage Policy

The Own Damage plan covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.

Third-Party vs Comprehensive vs Own Damage Car Insurance Policy

Check out the major differences between Third-Party, Comprehensive and Own Damage Car Insurance Policy to know which suits you the best.

Coverage	Third-Party	Comprehensive	Own Damage
Damages/Losses to own car due to an accident	×	✔	✔
Damages/Losses to own car in case of fire	×	✔	✔
Damages/Losses to own car in case of a natural calamity	×	✔	✔
Damages to Third-Party Vehicle	✔	✔	×
Damages to Third-Party Property	✔	✔	×
Personal Accident Cover	✔	✔	×
Injuries/Death of a Third-Party Person	✔	✔	×
Theft of your car	×	✔	✔
Doorstep Pick-Up & Drop	×	✔	✔
Customize your IDV	×	✔	✔
Extra protection with customized add-ons	×	✔	✔

How to Claim for a Third Party Car Insurance?

In case of an accident, the respective Third-Party must file an FIR and obtain a charge sheet.
If there’s a compensation, we take care of it on your behalf. Just call us at 1800-103-4448.
If there are no violation of terms, we will try for a non-monetary settlement on your behalf. If the situation arises, we will represent you in court.
Most importantly, if you’ve been a good citizen and have admitted your fault for any kind of negligence, your Digit Third Party cover will still hold good.
In case of a personal accident-related claim, all you need to do is call us at 1800-258-5956 and we’ll take care of the rest!

Things to Consider When Making a Third-Party Car Insurance Claim

In case of an accident, the respective third-party must file an FIR at the time of damage - post which the insurance company must be notified as well. Without this, the required compensation can’t be made.
In an accident, it’s important that the third-party has viable evidence to prove the fault of the opposition party.
In case of minor damages and losses, it’s always advised to try and settle them out of court since the process of filing a FIR and dealing with the Motor Vehicle Tribunal is often time-consuming.
As per the rules and regulations of the IRDAI, it is up to the Motor Accident Claims Tribunal to decide on the claim amount. While there’s no upper limit on personal damages to a third-party, there is a limited liability of up to Rs 7.5 lakhs in case of damages and losses caused to a third-party vehicle or property.

Third Party Premium for Old Four-Wheelers

Unlike a Comprehensive Car Insurance Premium Calculator, a Third-Party Car Insurance Premium Calculator is only dependent on your engine cc and the respective premiums are predetermined by the IRDAI.

Private cars with engine capacity	Premium rate (effective 1st June 2022)
Not exceeding 1000cc	₹2,094
Exceeding 1000cc but not exceeding 1500cc	₹3,416
Exceeding 1500cc	₹7,897

Third Party Premium for New Four-Wheelers (3-year Single Premium policy)

Private cars with engine capacity	Premium rate (effective 1st June 2022)
Not exceeding 1000cc	₹6,521
Exceeding 1000cc but not exceeding 1500cc	₹10,640
Exceeding 1500cc	₹24,596

Premiums for New Electric Vehicle (EV) Four-Wheeler (3–year Single Premium policy)

Vehicle kilowatt capacity (KW)	Premium rate (effective 1st June 2022)
Not exceeding 30KW	₹5,543
Exceeding 30KW but not exceeding 65KW	₹9,044
Exceeding 65KW	₹20,907

How to Buy Third-Party Car Insurance Policy with Digit?

Step 1

On the Digit app or website, enter car’s registration number and click on ‘View Prices’.

Step 2

Select the plan, additional coverages, and click on ‘Continue.’

Step 3

Enter your personal and vehicle details, and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Documents Required to Buy Third-Party Insurance Online

To get third-party insurance online from Digit, only three important documents are required, which are:

Car Registration Certificate
Previous year car insurance policy, if applicable
Any of these documents for KYC verification - PAN/Aadhar/DL/Voter id/Form 16/Passport

Advantages of a Third Party Car Insurance

Disadvantages of a Third Party Car Insurance

Which Car Insurance Policy is Best for You?

If you can’t decide whether to go for a third-party or comprehensive insurance policy for your car, we’ve got you covered. Check out the situations below that are the most relevant to you and plan accordingly.

Case 1: If you still have your grandfather’s car that you rarely take out for a drive

A rarely driven antique car may drive lots of attention, but it may also attract fines and penalties if you do not insure it with a third-party insurance policy, as it is mandatory by law.

Thus, a third-party insurance cover is a must for such car owners—to save on the premium and to be legally compliant, as such a car is preserved mainly for memories or displaying and not for driving.

Case 2: If you own two cars

If you have 2 cars and use only one of them mostly, while the second one you use hardly in a month, then you can get the second one insured with a third-party cover to save on the premium and to be legally compliant.

Case 3: If you want to buy a new car but your current car’s policy renewal is due

If you are planning on buying a new car and want to save on the insurance premium when your current car’s policy renewal needs to be done, make a smart choice by renewing your insurance policy with third-party coverage for your current car. This will save the premium and will keep you legally compliant. Later, you can sell this car before buying a new one.

Case 4: If you are an experienced driver

If you have a clean car driving record and are experienced, you may believe in your driving skills but can’t expect the same from others, so there’s always a risk of accidents. In such a case, it is better to go for a comprehensive policy as it covers own damage as well. However, you can always choose to reduce your premium by letting go of the add-on covers.

Case 5: If you bought home a new luxury car

Go straight for the comprehensive car insurance to enhance the protection cover for your brand-new expensive car. It will cover your car for both third party liability and own damage. You can also get appropriate add-on covers to maximise the coverage and protect your car in all situations.

Case 6: If you own a 5-year-old car that you drive daily

A daily-driven car must be protected with the maximum coverage to ensure your safety. So, in this situation, it is better to go for the comprehensive policy as it will cover the third-party policy and protect your car in case of accidents, theft, fire, natural calamities, etc.

With a comprehensive policy, you can also purchase add-ons like Roadside Assistance add-on cover to remain protected against car breakdowns, flat tyre or towing when driving daily.

Note: These are just a few scenarios to help you easily understand the different policy covers. Please discuss with your insurer and advisor about the best policy for you. Remember to not take it as a recommendation from Digit.

FAQs about Third Party Car Insurance in India

All

What is third-party insurance?

A car insurance policy that only covers injuries/damage caused to others in an accident, due to your car, is considered third-party insurance.

Why should I get a third-party car insurance policy?

The main advantage of getting a third-party policy is that it covers third-party liabilities. Moreover, it makes you comply with the laws.

What happens if I am caught driving without a valid third-party liability insurance policy?

If you are caught driving without valid third-party liability insurance, you will be liable to pay a fine of Rs 2,000. Additionally, your license may also be disqualified, and/or there may be imprisonment charged for up to 3-months.

What if someone else was driving my car during the time of accident, will Digit cover for my losses?

Yes, irrespective of whoever was driving the car at the time of the accident, Digit Insurance will cover your losses. But if the driver didn’t possess a valid license or had a learning license but was driving without a license holder on the co-driver’s seat, they won’t be covered, and your claim can be nullified.

Can I buy 2 third-party car insurance policies?

Though you can legally buy two third-party car insurance policies from two different insurance companies for the same car, you may violate the terms of one or both insurance companies.

Is third party car insurance mandatory?

Yes, having at least a Third-Party car insurance policy is mandatory in India under the Motor Vehicles Act, 1988.

Is third party insurance automatically transferred to the new owner?

No, third party car insurance needs to be transferred to the new owner when selling a car. Else, they won't be covered.

What if I don’t have third-party insurance?

If you get in an accident without having third-party insurance, you might be legally liable to pay for the damage yourself and also be penalized under law.

Is third party insurance enough for my car?

If you only want to cover damage or losses to a third party due to your vehicle then a third-party policy is enough for your car.

Which is better among third party and comprehensive car insurance?

A comprehensive policy is better than a third-party policy as it provides complete coverage against both your own damage and third-party liabilities.

What happens if I meet with an accident in a different city/state?

Digit Insurance has you covered irrespective of which city or state the incident happens.

I have a good driving and clean claim record. Do I still need a third-party policy to drive my car?

Yes, all car owners in India are required to have at least a third-party policy as it is mandatory by law.

What does third-party car insurance cover?

Third-party insurance covers injuries or damage you cause to third-party people or property in an accident, but not your own car.

Where can I purchase a Third-party Liability car insurance online?

You can buy third party insurance online from Digit, either via our website or app by following some simple steps. You won’t need any documents and your car will be insured instantly online.

Who can get 3rd party car insurance in India?

Any car owner in India who has registered their vehicle with the RTA i.e. Regional Transport Authority in India, can buy third-party insurance.

What is the sum insured in third-party insurance policy?

There is no concept of "sum insured" in third-party insurance as it covers liability for damage caused to others, not your own car.

Is the service tax applied on third party insurance?

Yes, Goods and Services Tax (GST), which has replaced the service tax in India is applicable on third-party car insurance premium.

What is the cost of premium for third-party car insurance?

The third-party car insurance premium price depends on the cubic capacity (cc) of your car’s engine. This amount is already fixed by the IRDAI.

Can I purchase roadside assistance add-on with a Third-party car insurance policy?

No, add-ons are not available with a Third-party car insurance policy. You can get add-ons only with a Comprehensive car policy.

Can I buy zero depreciation add-on with my third-party policy?

No, zero depreciation add-on cover is not available with third-party policy. To avail the zero-depreciation cover, you have to get a comprehensive car insurance policy.

What is the cost of third-party insurance?

Third-party policy is the cheapest insurance option as it offers less coverage. Its price depends on your car's engine size, location, and your driving record.

Does a Third-party plan offer sufficient coverage?

A third-party car insurance covers only damage or loss to a third-party. If you want enhanced coverage, then you should buy a Comprehensive car insurance policy.

What is the validity of a third-party car insurance policy?

A third-party policy is generally valid for one year in India. However, when buying a new policy for a new car, you need to get a three-year third-party policy, as it is mandatory by law.

Will my third-party insurance policy continue if I sell my car?

No, if you sell your car, you have to either cancel your existing insurance or transfer it to the new owner. In both cases, you need to submit the required documents.

Can I convert my comprehensive car insurance policy to a third-party policy?

Yes, you can switch your car insurance policies at the time of policy renewal.

Does my car’s model affect my third-party policy?

Yes, the model of your car is considered when calculating the premium for third-party insurance.

What is the difference between TP and OD insurance policies?

TP stands for Third-Party. It is the insurance policy that covers other people and property. While OD stands for Own Damage; it covers your car.

What is a 5-year third-party insurance?

In a 5-year third-party insurance, you get third-party liability coverage for 5 years and Own-Damage coverage for 1 year.

What is 3-year third-party insurance?

A 3-year third party car insurance is a long-term plan that doesn’t require yearly renewals.

Where can I purchase online Third-party Liability car insurance policy?

You can buy a Third-party policy online through Digit website and app, by following 4 simple steps.

If you claim for a third-party car insurance, will you lose your NCB?

No, you won’t. Your NCB or No Claim Bonus remains intact.

What documents should I submit when filing a claim for a third-party car insurance online?

You don’t personally need any documents in the case of a third-party car insurance claim unless asked for. In case of a third-party claim, the respective third-party needs to file a FIR charge sheet if he/she wants to be compensated for losses and damages.

Do I need to file FIR in case of a third-party insurance claim?

Yes, FIR is an important document required when filing a claim against third-party liabilities.

What is the maximum compensation offered as part of this policy?

In the case of personal damage to a third party, there is no maximum compensation whereas in the case of property or vehicle damage to a third party, the maximum compensation amount available is up to ₹7.5 lakhs.

What is the period to file a claim under third-party insurance plan?

Ideally you should file a third-party claim at the earliest to avoid claim rejection. However, the maximum limit is 60 days after the accident.

Can I renew a Third-party car insurance policy online if I had purchased it offline?

Yes, you can renew a Third-party car insurance policy online no matter if you have purchased it offline by providing your policy number, its expiry date and other details as required.