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.
Your safety is our priority; we cover your treatment charges in case of injuries due to a car accident.
Third Party Liability
Caused injury to another person? We cover the medical needs for injuries sustained by a third party person.
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.
Contractual Liabilities
Entered into a contract related to your car? Unfortunately, we do not cover any contractual liabilities.
War & Nuclear Risks
Wars cause extensive destruction. However, any damage caused to a third party person or property because of war & nuclear risks remains uncovered.
Limitations as to use
Love car racing? Sorry to inform you, but we do not cover claims if your car has been involved in speed testing, organized racing etc.
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~*
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.
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 (Name, Mobile Number and Email Id). All the quotes in your category will be visible on your screen.
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!
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.
GAUTAM KUMAR SAHOO
PRIVATE CAR COMPREHENSIVE POLICY
21 November 2024
CHAIBASA
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.
RAGLI BAGRA
PRIVATE CAR PACKAGE POLICY BUNDLED
18 October 2024
EAST SIANG
I appreciate the quick response of your customer care team. Thank you.
MR RAJAN MAHENDRA
PRIVATE CAR OD ONLY
19 September 2024
CHENNAI
I must say that customer service experience at your Guindy office was amazing.
JAYDATT CHETANBHAI MAHAJAN
PRIVATE CAR PACKAGE POLICY BUNDLED
30 August 2024
SURAT
Excellent service by your customer care team.
ROBIN KOSHY CHERIAN
PRIVATE CAR COMPREHENSIVE POLICY
23 August 2024
BENGALURU
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.
GAUTAM KUMAR SAHOO
PRIVATE CAR COMPREHENSIVE POLICY
21 August 2024
CHAIBASA
Your customer care executive helped me easily identify whether ekyc was linked to my policy. I appreciate the helpful nature of that person.
MR RAJAN MAHENDRA
PRIVATE CAR OD ONLY
16 August 2024
CHENNAI
I had a good experience with the customer service officer at your Guindy branch in Chennai.
RAGLI BAGRA
PRIVATE CAR PACKAGE POLICY BUNDLED
16 August 2024
EAST SIANG
Thank you HDFC ERGO customer care team for your quick response.
PRASAD SUDHAKAR BHARDWAJA
PRIVATE CAR COMPREHENSIVE POLICY
9 August 2024
PUNE
The process at HDFC ERGO is simple and I always receive quick responses to my mail every time from your team.
SRIDHAR AKULA
PRIVATE CAR PACKAGE POLICY BUNDLED
7 August 2024
CHENNAI
My claim request went well in the end. Initially I found difficult raising the claim, however, in the end everything was resolved.
HARDIK RAJESHKUMAR AGRAWAL
PRIVATE CAR COMPREHENSIVE POLICY
31 July 2024
VADODARA
Customer care services provided by HDFC ERGO is remarkable.
SURAJ KUMAR
PRIVATE CAR LIABILITY ONLY
30 July 2024
JAMMU
The customer care executive person was very humble and soft-spoken. Your team members have perfect telephone etiquette with remarkable voice modulation.
TAKHI SHAKEEL MOULAVI
PRIVATE CAR PACKAGE POLICY BUNDLED
25 July 2024
SOLAPUR
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PRIVATE CAR PACKAGE POLICY BUNDLED
19 July 2024
FARIDABAD
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CHHAGAN LAL
PRIVATE CAR COMPREHENSIVE POLICY
12 July 2024
DAHOD
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PRIVATE CAR PACKAGE POLICY BUNDLED
14 June 2024
VARANASI
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N S KUMAR NA
PRIVATE CAR COMPREHENSIVE POLICY
14 June 2024
CHENNAI
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.
VIJAY SHANKAR MENON
PRIVATE CAR
25 May 2024
COIMBATORE
Your sales manager was very helpful and proactive in getting the policy renewed.
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PRIVATE CAR COMPREHENSIVE POLICY
21 May 2024
BENGALURU
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PRIVATE CAR POLICY
14 May 2024
GHAZIABAD
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EMME SALOMI
PRIVATE CAR
10 May 2024
MEDAK
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FARHAN NAZIR
PRIVATE CAR POLICY
29 April 2024
PULWAMA
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PRIVATE CAR POLICY
20 April 2024
VIDAVALUR
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TARESHKUMAR SHAMBHUBHAI PATEL
PRIVATE CAR POLICY
18 April 2024
AHMEDABAD
HDFC ERGO has good staff in their customer care team. I hope they continue providing the best services to their policyholders.
Read the Latest Third Party Car Insurance Blogs
Is Third Party Insurance Mandatory? Complete Guide
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.
The person (insured) who purchase the insurance policy is called the first party. The insurance company that provides insurance is called a second party and the property. Any person/vehicle that has been damaged while plying
car on the road is called third party insurance.
Third party car insurance policy covers the policyholder’s legal liability. If the insured person’s vehicle accidentally leads to the death or disability of any third party person or damage to a third party
property, the insurer bears the financial burden in such a scenario.
Third party car insurance covers your legal liabilities incurred, if any, because of protects your vehicle from losses due to damage, injury to or death of or damage to the property loss to of a third party caused by or
arising out of the use of the insured vehicle in a public place. or person involving the insured person's vehicle. As stipulated in the Motor Vehicles Act 1988, all motorists It are required to have this cover before
the vehicle is taken on public roads. is a or damage legal motor contract to protect the vehicle's owner against any unforeseen liabilities due to third party vehicle damages, property damages, physical injuries, disability
and death. Third party insurance cover does not provide any coverage for the damage, if any, caused done to your own vehicle. As stipulated in the Motor Vehicles Act 1988, third party car insurance is a mandatory cover,
and all motorists must be insured against liability to other people or property to avoid legal complications. A car insurance policy consists of three parties - the First Party or the car owner who purchases the
car insurance policy. Second Party or the motor insurance company that provides financial support in exchange for a car insurance premium. Third Party or any other person who may get injured or whose property may get
damaged by the policyholder's car in an accident. Hence, third party car insurance covers third party liabilities caused by the policyholder's car. With a third party car insurance policy, you can also buy a personal
accident cover worth ₹15 lakhs.
No, just third party insurance coverage is not enough. As per Motor Vehicles Act, 1988, along with third party insurance, personal accident cover is also mandatory. Therefore, HDFC ERGO's third party insurance policy includes
personal accident cover for the owner or driver’s injury or unfortunate death.
It is wise to purchase comprehensive car insurance policy for your vehicle as it will provide coverage for own damage and third party liabilities. With third party insurance, you only get covered for third party person/property
damages.
With third party insurance, you get coverage for the legal liability of third-party person/property damage. It also shields the policyholder in case a third party gets injured or dies because of the insured person’s
vehicle.
No, you cannot skip buying third party car insurance coverage. It is a mandatory requirement as per Motor Vehicles Act, 1988. Even in a comprehensive insurance policy, third party liability is included.
After the accident, you need to intimate the insurance company within 36-48 hours. The inspection and settlement procedure begins right after you bring it to the notice of the insurance company. At HDFC ERGO, we offer you
100% paperless claim processing.
Every movable asset goes through daily wear-tear that causes its value to depreciate over time. Zero depreciation cover is an add-on that insures against such depreciation of your four wheeler.
Since a third
party insurance policy does not accommodate add-ons, you cannot get zero depreciation cover under your third party car insurance.
The insurance company bears the major claim except for a small portion of the claim that the policyholder has to bear. This amount is called a deductible. But in the case of third party car insurance, there is no deductible
involved since damage to the customer's four wheeler is not included in the policy.
Yes, you can buy third party insurance online. HDFC ERGO offers you zero documentation, instant third party car insurance policy. Visit our website to buy one in less than 3 minutes.
No, you cannot include add-ons in a third party insurance policy. To include add-ons in your policy, you can opt for a comprehensive car insurance policy for wide coverage.