Third Party Car Insurance

Get a Quote in 20 seconds.

What is a Third Party Car Insurance?

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 ₹2072/-

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/-

Third-Party Car Insurance Premium Calculator

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

Not exceeding 1000cc

₹2,072

Exceeding 1000cc but not exceeding 1500cc

₹3,221

Exceeding 1500cc

₹7,890

How to claim for a Third Party Car Insurance?

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

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

car-quarter-circle-chart

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.

car-full-circle-chart

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

FAQ's related to buying Third Party Car Insurance