Third-party car insurance online
MOTOR INSURANCE
Premium starts at ₹2094 ^

Premium starts

at ₹2094*
8700+ Cashless Network Garages ^

8700+ cashless

Garagesˇ
Overnight Car Repair Services ^

Over Night

Vehicle Repairs¯
4.4 Customer Ratings ^

4.4

Customer Ratings
Home / Motor Insurance / Car Insurance / Third Party Insurance
Quick Quote for your Car Insurance

I hereby authorize HDFC ERGO General Insurance to contact me before 10pm. I agree that this consent will override my NDNC registration.

Call Icon
Need Help? Talk to our experts 022-62426242

Third Party Car Insurance

Third Party  Car Insurance

Third party car insurance covers third party damages arising due to an accident by the policyholder’s vehicle. The third party car insurance provides coverage for third party liabilities including damages to third party property/person. The cost of coverage also includes permanent disability and even death of a person. However, third party car insurance does not cover own-damage expenses.

As per the Motor Vehicles Act of 1988, third party car insurance is a mandatory cover, and driving without it can lead to hefty fines. To safeguard your own vehicle, you can buy a standalone own damage cover or get all-round protection with our comprehensive car insurance policy that covers both third party liabilities as well as own damages.

How Does Third Party Car Insurance Work?

When you buy a new car or if you have an existing car, you are required to buy the third party insurance cover too. Once you buy the cover, it covers your financial liabilities against third parties. If there is an accident wherein a third party, i.e., an individual other than you, suffer any financial damage, the third party cover would compensate the individual for the loss.

The coverage works in the following scenarios–

• An individual is physically injured due to the car

• An injured dies in an accident involving your car

• Your car damages a third party property

In either of these cases, you would have to inform the insurance company of the claim. The insurance company would handle your financial liability and compensate the third party for the financial loss that they might have suffered.

Inclusions & Exclusions of Third Party Insurance

Covered in Car insurance policy - Personal accident

Personal Accident

Your safety is our priority; we cover your treatment charges in case of injuries due to a car accident.

Covered in Car insurance policy - third party liability

Third Party Liability

Caused injury to another person? We cover the medical needs for injuries sustained by a third party person.

Covered in Car insurance policy - Third Party Property Damage

Third Party Property Damage

Collided with a third party vehicle or property? We cover up to Rs 7.5 lakhs for third party property damages.

Features & Benefits of Third Party Car Insurance Online

Key Features Benefits
Premium Starts @ ₹ 2094*
Buying Process Buy Third party insurance online within minutes with HDFC Ergo
Claim Settlement Experience quick and easy claim settlement process with dedicated team.
Personal Accident Cover Up to ₹15 lakhs~*
Did you know
Driving without Third Party Car Insurance can lead to significant financial burden, if a person is held liable for damages to a third party person/property.

Comprehensive Vs Third Party Car Insurance Cover

Damages/ Losses Caused Third Party Insurance Comprehensive Car Insurance
Damages to vehicle due to accidents Excluded Included
Losses due theft of car Excluded Included
Losses due natural disaster Excluded Included
Damages to third party vehicle and property Included Included
Death of a third party due to accident Included Included
Personal accident cover(if opted for) Included Included

Third Party Car Insurance Premium Rates

IRDAI determines the third party car insurance premium. The premium rate differs as per the car’s engine cubic capacity.

Engine Capacity TP Premium for Renewal of existing vehicle (Annual)* TP Premium for New Vehicle(3 Years Policy)
Less than 1,000cc Rs. 2,094 Rs. 6,521
Above 1,000cc but less than 1,500cc Rs. 3,416 Rs. 10,640
More than 1,500cc Rs. 7,897 Rs. 24,596

Why Choose HDFC ERGO for Third Party Insurance Online?

Here are some reasons to choose HDFC ERGO third party car insurance policy ;

• Affordable premiums starting at Rs.2094

• Quick online purchases

• Quick and easy claim settlements with the help of a dedicated team

• 8700+ cashless garages pan India

Who Should Buy Third Party Car Insurance Policy?

Every car owner must have a third party car insurance policy as per the Motor Vehicles Act of 1988. However, it only covers third party liabilities and does not provide coverage for its own damage. Let us see for whom third party car insurance is ideal:

• For vehicle owners whose vehicles are always parked and hardly move out.

• Third-party car insurance is ideal for very old cars, including vintage cars.

How to Buy/Renew Third Party Car Insurance Online?

The below steps will guide you through buying third party car insurance online.

  • Step 1-  Visit our Website HDFCErgo.com
    Step 1
    Visit HDFC ERGO'S official website
  • Get Car Insurance Quotes
    Step 2
    Enter your car registration number and click on ‘Get Your Quote’. Or proceed by clicking on 'Proceed Without Car Number'.
  • Step 3 - Enter your details
    Step 3
    Enter your details (Name, Mobile Number and Email Id). All the quotes in your category will be visible on your screen.
  • Car Insurance Plan
    Step 4
    Select the policy that suits your needs and price point.

Steps To Claim Third-Party Car Insurance Online

Here are following steps to file claim for third party car insurance:

  • Step 1: Filing FIR at the nearest police station and collect the charge sheet. In the event of property damage, you need to file an FIR and get a copy of the same along with a copy of the charge sheet filed by the police against the offender.

  • Step 2: Obtain the third party car insurance details of the vehicle owner.

  • Step 3: Take a copy of the charge sheet filed by the police against the car owner.

  • Step 4: File a compensation claim case in the Motor Accident Claims Tribunal. The claim has to be filed in the tribunal court of the area where the accident occurred or in the area where the claimant resides.

Advantages and disadvantages of Third Party Car Insurance

Advantages Disadvantages
It is affordable.

It costs less than a comprehensive car insurance policy but

offers coverage for only third party damages.

Financially protect the policyholder in case of death or disability

of the third party and in case of damage to

the third party property or vehicle.

In the event of an accident, third party cover would not protect you

from the damages that occurred to your vehicle or to yourself.

 

There won’t be any legal action taken against you,

if you drive vehicle with third party car insurance. 

If your car gets stolen or burnt due to a fire, you will not get any

coverage with this cover.

 

Factors That Affect Your Third Party Car Insurance Premium

Your third party car insurance premium is fixed by the Insurance Regulatory and Development Authority of India (IRDAI). However, it depends on the following factors –

1

The engine capacity of your car

The premium of a 3rd party insurance coverage depends on your car's engine capacity. It starts at Rs.2094 if your car's engine capacity is up to 1000cc. For higher engine capacities, the premium increases. So, the higher the car's engine capacity, the higher the premium you have to pay.
2

Tenure of the policy

If you buy a brand new car, you have to buy third party insurance cover for a mandatory period of three years. This long-term coverage means higher premiums since you have to pay the premium for the next three years in one lump sum.
3

IRDAI reviews

The IRDAI makes annual reviews of the third party premium. Following every review, the premium might increase or decrease. So, your premium would depend on the latest revised premiums affixed by the IRDAI.

Calculate Third Party Car Insurance Premium

HDFC ERGO offers an online premium calculator that helps you calculate the premium for your third party car insurance policy in just one click.
So, open the calculator, provide your car's engine capacity and calculate the third party car insurance premium you have to pay. It is as simple as that!

8000+ cashless Garagesˇ Across India

Third Party Car Insurance Reviews & Ratings

4.4 Stars

car insurance reviews & ratings

Our customers have rated us

View all 1,58,678 Reviews
Quote icon
HDFC ERGO system is in place and staffs are well trained. They know exactly what is required by the client. I was able to resolve my requirement in 2-3 minutes. Well done.
Quote icon
HDFC ERGO's chat team member helped me to know whether ekyc was linked to my policy or not. The customer care executive also guided me how to link it. I appreciate the quick response and helpful nature of your executive.
Quote icon
I appreciate the quick response of your customer care team. Thank you.
Quote icon
I must say that customer service experience at your Guindy office was amazing.
Quote icon
Excellent service by your customer care team.
Quote icon
I think that the HDFC ERGO system works efficiently and they have hired well-trained staff to handle client queries. My problem was resolved in just 2-3 minutes.
Quote icon
Your customer care executive helped me easily identify whether ekyc was linked to my policy. I appreciate the helpful nature of that person.
Quote icon
I had a good experience with the customer service officer at your Guindy branch in Chennai.
Quote icon
Thank you HDFC ERGO customer care team for your quick response.
Quote icon
The process at HDFC ERGO is simple and I always receive quick responses to my mail every time from your team.
Quote icon
My claim request went well in the end. Initially I found difficult raising the claim, however, in the end everything was resolved.
Quote icon
Customer care services provided by HDFC ERGO is remarkable.
Quote icon
The customer care executive person was very humble and soft-spoken. Your team members have perfect telephone etiquette with remarkable voice modulation.
Quote icon
My experience with HDFC ERGO is excellent.
Quote icon
HDFC ERGO team provides good support to the customer.
Quote icon
I must say that HDFC ERGO provides the best services to their customers.
Quote icon
HDFC ERGO provides the best customer car service. I like their behaviour of responding promptly and instantly starting the work on that query.
Quote icon
The customer care executive who attended to my call was extremely courteous, and called me thrice to resolve the issue. Full marks to the customer care team for superb customer care attitude.
Quote icon
Your sales manager was very helpful and proactive in getting the policy renewed.
Quote icon
HDFC ERGO provides doorstep services and are very excellent at their work. Whenever I have approached your team, they have provided quick solution to my query.
Quote icon
I have chosen HDFC ERGO first time for my four-wheeler and I am glad to say that they provide really good services. The self inspection option is really good for saving valuable time of the customer. I thanks HDFC ERGO team for always providing good customer experience.
Quote icon
We can access HDFC ERGO car insurance policy details at anytime easily. Your customer care representatives are very friendly.
Quote icon
HDFC ERGO customer care team believes in providing quality service.
Quote icon
HDFC ERGO provides hassle-free services. Pleased with the quick action and process for attending the customer query.
Quote icon
HDFC ERGO has good staff in their customer care team. I hope they continue providing the best services to their policyholders.
Right
Left

Read the Latest Third Party Car Insurance Blogs

Is Third Party Insurance Mandatory? Complete Guide

Is Third Party Insurance Mandatory? Complete Guide

See full article
Published on February 06, 2025
Car Crash Tests: Ensuring Safety Through Simulated Collisions

Car Crash Tests: Ensuring Safety Through Simulated Collisions

See full article
Published on January 13, 2025
Advantages and Disadvantages of Double Wishbone Suspension Systems

Advantages and Disadvantages of Double Wishbone Suspension Systems

See full article
Published on January 07, 2025
What is the Hill Descent Control System in Car? Complete Guide

What is the Hill Descent Control System in Car? Complete Guide

See full article
Published on February 11, 2025
What is Inline Engine? Different Types & Useful Benefits

What is Inline Engine? Different Types & Useful Benefits

See full article
Published on February 11, 2025
Pros & Cons For Choosing Third Party Cover

Pros & Cons For Choosing Third Party Cover

See full article
Published on November 27, 2024
Scroll Right
Scroll Left
VIEW MORE BLOGS

Frequently Asked Questions about Third Party Car Insurance


As per a draft notification issued by the Ministry of Road Transport and Highways (MoRTH) dated 29th Aug, 2018 purchasing a three-year bundled third party car insurance is mandatory if a person buys a new vehicle. However, existing car owners can continue to buy third party insurance cover having a validity of only one year. The base premium rates for Motor Third Party Insurance Cover have been proposed at Rs 2,094 for private cars below 1,000 cc, Rs 3,416 for cars (between 1000-1500 cc) and Rs 7,897 for cars exceeding 1500 cc.

Awards & Recognition

Slider Right
Slider Left

Last updated: 2023-02-20

View all awards