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What is a 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.

Know more about Compare Car Insurance.

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

What’s Covered in a Third Party Car Insurance?

Personal Damage to Third Party

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.

Property Damage Compensation

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 Damage to Owner/Driver

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:

Own Damages

In the case of a third-party car insurance policy, damages to your own car won’t be covered.

Drunk Driving or without a Licence

Your third-party car insurance won’t cover for you in situations where you were driving drunk or without a valid four-wheeler license.

Driving without a valid Driving Licence holder

If you hold a learner’s license and were driving without a valid driving license-holder in the front passenger seat - then your claim in those situations won’t be covered.

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!

Claim Settlements

96% Claims Settled for Private Cars

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/-

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.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

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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Advantages of a Third Party Car Insurance

Saves Time & Effort

Thanks to technology, buying a third-party car insurance online will take you barely a few minutes. All you need is your basic car details (car registration number/car make and model) and id proof (Aadhar/PAN) and your policy will be emailed to you!  

Covers Third-Party Person in case of Personal Damages

In an unfortunate case where while driving, you get into an accident and hurt someone physically, or in the worst case- cause one’s death. In this case, your third-party car insurance covers the losses of the same, up to unlimited liability. 

Covers for Third-Party Property or Vehicle Damages

In the case where you damage one’s property or vehicle, your third-party car insurance will cover for their losses, up to 7.5 lakhs! 

Protects you in case of any physical injuries

In case you don’t already have a personal accident cover from any other policy (such as your health insurance), a third-party car insurance lets you opt for the same so you can protect yourself too in case you get into an accident that leads to permanent disability or death. 

Protects you from Unexpected Losses

With so many cars on the road, and the amount of traffic- mistakes tend to happen. In times when you’re at fault and your car hurts someone or their vehicle/property- the expenses to pay for damages will be covered by your third-party car insurance policy so you don’t have to bear unexpected losses. 

Enables you to drive legally

As per the Motor Vehicles Act, every car owner should at least have a third-party car insurance. If you’d like to protect your car further, you can also go for a Comprehensive Car Insurance Policy, which includes coverage for third-party liabilities and protection for your own car. 

Protects you from traffic penalties and fines

If you’re found on the road without at least a third-party car insurance, you will be liable for a fine of Rs 2,000 and/or up to three months in prison. 

Disadvantages of a Third Party Car Insurance

Doesn’t Cover Own Damages

Unfortunately, a third-party car insurance will not cover for damages and losses to your own car.  

Doesn’t Cover for Natural Calamities

A third-party car insurance won’t cover for damages to your four-wheeler in case of any natural calamities.

No Customized Plans

A third-party car insurance is the most basic plan available for your four-wheeler and cannot be customized further with additional benefits and covers. However, you can do so with a comprehensive car insurance.

Types of Car Insurance plans in India

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Third Party

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

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Comprehensive

A 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.

Third-Party

Comprehensive

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Know more about the difference between comprehensive and third party insurance

Third Party Car Insurance for Popular Models in India

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Third Party Car Insurance for Popular Brands in India

Maruti Car Insurance

Hyundai Car Insurance

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FAQ's related to buying Third Party Car Insurance