Third Party Car Insurance

Driving without valid third‑party insurance is illegal in India. You can be fined ₹2,000, face licence disqualification, or even imprisonment for repeat offences. More importantly, you’ll be personally liable for any third‑party injury or damage caused.

Third‑party insurance covers liability regardless of who was driving, as long as the driver had a valid licence and was using the car legally. Claims can be rejected if licence conditions or policy terms are violated.

While legally possible, holding two policies can violate insurer terms and create claim disputes. Only one third‑party policy should be active for a vehicle.

No. Third‑party insurance must be formally transferred to the new owner. Until the transfer is completed, claims may be disputed or rejected, even though the policy is linked to the vehicle.

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.

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

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.

Yes. GST is applicable on third‑party car insurance premiums as per government regulations and is included in the final premium you pay.

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. 

Yes, you can switch from comprehensive to third‑party insurance at the time of renewal if you want lower premiums and only legal liability coverage.

A 5‑year third‑party policy offers long‑term liability coverage, typically bundled with shorter own‑damage coverage, depending on regulatory guidelines at the time of purchase.

A 3‑year third‑party policy provides continuous legal coverage without yearly renewals. It is mandatory when buying a new car and helps avoid renewal lapses.

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

No. Filing a third‑party claim does not affect your No Claim Bonus, since NCB applies only to own‑damage claims.

Yes, an FIR is mandatory for third‑party claims, as compensation is decided by the Motor Accident Claims Tribunal based on legal documentation.

There is no limit on compensation for third‑party injury or death. Property damage claims are capped at ₹7.5 lakh as per regulations.

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. 

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.

You can check the policy wordings on the policy document when you purchase your insurance. You can also find it on the insurer's website.

For daily driving, third‑party insurance meets legal requirements but may not be financially sufficient. Frequent use increases accident risk, and any damage to your own car will have to be paid entirely from your pocket.

It may not be enough for new or expensive cars, daily commuters, highway drivers, or anyone who cannot comfortably afford repair costs out of pocket.

New drivers, owners of new or high‑value cars, and people who drive frequently should avoid relying only on third‑party insurance due to higher chances of self‑damage expenses.

Primarily yes. Third‑party insurance is designed to meet legal requirements and protect against third‑party liabilities, not to cover damage to your own vehicle.

If you drive infrequently, own an older car, and can afford repair costs yourself, third‑party insurance may be sufficient. Otherwise, comprehensive insurance usually offers better financial protection.

While it protects against third‑party liabilities, it offers no coverage for your own car. Even minor accidents can lead to repeated out‑of‑pocket repair costs over time.

The ₹7.5 lakh limit applies only to third‑party property damage. Compensation for third‑party injury or death has no upper limit. Any excess property damage beyond ₹7.5 lakh may need to be paid by the vehicle owner.

Yes. Third‑party insurance is often suitable for older, low‑value cars where comprehensive insurance premiums may not feel cost‑effective.

City driving increases the likelihood of minor collisions. While third‑party insurance is legally sufficient, repeated small accidents can make it financially inconvenient over time.

Yes. You can upgrade from third‑party to comprehensive insurance at renewal or mid‑term, usually after a vehicle inspection, depending on insurer guidelines.

A 3‑year third‑party policy provides continuous legal coverage without the need for yearly renewals. It is mandatory for new cars and helps avoid policy lapses.

A 5‑year third‑party policy offers long‑term liability coverage, usually combined with shorter own‑damage coverage depending on regulatory guidelines applicable at the time of purchase.

Yes. You can switch from comprehensive to third‑party insurance at the time of renewal if you want lower premiums and only legal liability coverage.

Although legally possible, holding two third‑party policies can violate insurer terms and create claim disputes. Only one active third‑party policy should be maintained for a vehicle.

Yes. GST is applicable on third‑party car insurance premiums as per government regulations and is included in the final premium amount.

Driving without valid third‑party insurance is illegal in India. You may be fined ₹2,000, face licence disqualification, or imprisonment for repeat offences. You will also be personally liable for any third‑party damage or injury.

Third‑party insurance covers liability regardless of who was driving, as long as the driver had a valid licence and was using the car legally. Claims may be rejected if licence or policy conditions are violated.

Third‑party car insurance is valid across India. Coverage applies regardless of where the accident occurs, provided the policy is active and all legal requirements are met.

Yes. Filing an FIR is mandatory for third‑party claims, as compensation is decided by the Motor Accident Claims Tribunal based on legal documentation.

There is no limit on compensation for third‑party injury or death. Compensation for third‑party property damage is capped at ₹7.5 lakh.

A third‑party claim should ideally be filed as soon as possible after the accident. Delays can complicate proceedings, even though courts may allow claims filed later based on circumstances.

No. Filing a third‑party claim does not affect your No Claim Bonus, as NCB applies only to own‑damage claims.

No. Third‑party insurance must be formally transferred to the new owner. Until the transfer is completed, claims may be disputed or rejected.

You can find the policy wordings in your policy document or on the insurer’s official website. Reviewing them helps you understand coverage conditions and exclusions clearly.