Third Party Car Insurance Price

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Third Party Insurance Premium for Cars

Third Party Car Insurance Premium Rates

The third-party car insurance premium is charged based on the engine capacity. 

Let’s have a look at the prices for the year 2019-20 vs 2018-19.

Private Cars with Engine Capacity

The premium for 2019-20 in INR

The premium for 2018-19 in INR

Not Exceeding 1000 cc



Exceeding 1000 cc but not exceeding 1500 cc



Exceeding 1000 cc but not exceeding 1500 cc



What’s Covered in Third Party Car Insurance?

Personal Damage to Third Party

Personal Damage to Third Party

In case of a Third-party’s death or physical injury due to an accident with the insured car. There is no limit to the sum insured.

Property Damage Compensation

Property Damage Compensation

In case damage occurs to someone’s vehicle, house or any property, There is a limit of ₹7,50,000

Personal Damage to Owner/Driver

Personal Damage to Owner/Driver

In case the driver/owner of the car, unfortunately, faces physical injuries or death/permanent disability.

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 own vehicle 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 riding drunk or without a valid four-wheeler licence.

Driving without a valid Driving Licence holder

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.

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.

Why Third Party Car Insurance is Important?