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

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

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.

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. 

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.

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

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

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.

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.

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

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

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

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

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.

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.

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

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

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. 

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

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. 

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. 

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.

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.

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

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

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.

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

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

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

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

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.

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

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. 

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.