Third Party Car Insurance

Legal compliance and basic protection

Third party car insurance provides mandatory legal coverage for damage to other vehicles and injury to third parties, fulfilling legal requirements at minimum cost.

Legally mandatory coverage in India
Covers third-party property damage
Personal injury and death coverage
Lowest premium car insurance option

Key Benefits

Legal Compliance

Fulfills mandatory insurance requirement as per Motor Vehicles Act

Affordable Protection

Lowest cost car insurance option with essential third-party coverage

Nationwide Validity

Valid across all states and union territories in India

Quick Purchase

Instant online purchase with immediate policy issuance

What's Covered

  • Third-party property damage up to unlimited amount
  • Third-party bodily injury and death (up to ₹15 lakhs)
  • Legal liability arising from vehicle use
  • Court case expenses and legal fees
  • Personal accident cover for owner-driver (₹15 lakhs)
  • Emergency medical expenses for third party
  • Compensation for permanent disability
  • Funeral expenses for third-party death

What's Not Covered

  • Damage to your own vehicle
  • Theft of your vehicle
  • Natural disaster damage to your car
  • Personal belongings in the vehicle
  • Damage while driving without valid license
  • Damage during commercial use (if not declared)
  • War and nuclear risks
  • Damage due to driving under influence
  • Contractual liability
  • Damage to property belonging to insured

Eligibility Criteria

Minimum Age18 years
Maximum Age75 years
Renewal AgeNo upper limit
Waiting Period
No waiting period

Required Documents

  • 1
    Vehicle registration certificate (RC)
  • 2
    Valid driving license
  • 3
    Previous insurance policy (for renewal)
  • 4
    Pollution Under Control (PUC) certificate
  • 5
    Vehicle inspection report (for old vehicles)
  • 6
    Identity proof (Aadhaar, PAN)
  • 7
    Address proof

Claim Process

Simple steps to understand the claim filing process

1

Immediate Action

Ensure safety, call police, and inform insurance company immediately

2

FIR Registration

Register FIR with police for third-party claims

3

Document Collection

Collect all relevant documents including police report and medical certificates

4

Claim Filing

Submit claim form with supporting documents to insurance company

5

Investigation

Insurance company investigates the claim and assesses liability

6

Settlement

Claim settled based on investigation findings and policy terms

Frequently Asked Questions

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