
9000+ Cashless
Network Garages
96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
I agree to the Terms & Conditions
9000+ Cashless
Network Garages
96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
I agree to the Terms & Conditions
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
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.
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.
Here are some important statistics about third-party car insurance in India:
8 Lacs+
Claims Settled
3000 Crore+
Paid-in Claims
75 Lacs+
Cars Insured
1.2 Crore+
Policies Sold
96%
Claim Settlement Ratio
9000+
Cashless Garages
Disclaimer: The total number of claims settled, amount paid in claims and the total policies sold count is for private car policies since inception till 31st December-2024. 96% claims settled for Overall Motor line of business of Digit. CSR Is calculated for FY 24-25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End). 9000+ cashless garage network count as of 31st March-2025.
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/- |
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:
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 |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
While buying a third party car insurance policy online from Digit, you don’t need a load of documents or paperwork. By having the following documents handy, you can easily buy a third party car insurance policy within minutes:
Car Registration Certificate
Previous year car insurance policy
Aadhaar Card
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000 garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
4.7/5
(250K + Customer Ratings)
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 |
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 |
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 |
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.
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.
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