Get protection against any loss or damage to a third party due to your car with Digit four-wheeler insurance third party policy online! With the most affordable premiums fixed by IRDAI, car insurance third-party cover is a good choice for budget-conscious drivers.

Third-party car insurance, which is also called third party liability insurance, covers you against any liability which can happen in case of any loss or damage caused to any third-party vehicle, person or property. Unfortunately, it doesn’t cover your own vehicle damages.

A Third-Party Car Insurance is mandatory by the Motor Vehicles Act in India without which you will be liable for a heavy fine; whilst it also protects your pocket from any losses that could arise if your car were to damage any third-party vehicle, person or property. 

For example, if you accidentally damage another car’s headlights, your third-party car insurance will cover for the losses incurred to the third-party due to the same.

However, you can compare car insurance policies – comprehensive car insurance and Own Damage cover to get which suits you the most.

Third Party Liability Policy

A third-party car insurance is one of the most common types of car insurance; in which only damages and losses caused to a third-party person, vehicle or property are covered.

Comprehensive Policy

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.

Standalone Own Damage Policy

The Own Damage plan covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts. 

• In case of an accident, the respective Third-Party must file an FIR and obtain a charge sheet.
• If there’s a compensation, we take care of it on your behalf. Just call us at 1800-103-4448.
• If there are no violation of terms, we will try for a non-monetary settlement on your behalf. If the situation arises, we will represent you in court.
• Most importantly, if you’ve been a good citizen and have admitted your fault for any kind of negligence, your Digit Third Party cover will still hold good.
• In case of a personal accident-related claim, all you need to do is call us at 1800-258-5956 and we’ll take care of the rest!

• In case of an accident, the respective third-party must file an FIR at the time of damage - post which the insurance company must be notified as well. Without this, the required compensation can’t be made. 
• In an accident, it’s important that the third-party has viable evidence to prove the fault of the opposition party. 
  
• In case of minor damages and losses, it’s always advised to try and settle them out of court since the process of filing a FIR and dealing with the Motor Vehicle Tribunal is often time-consuming.
  
• As per the rules and regulations of the IRDAI, it is up to the Motor Accident Claims Tribunal to decide on the claim amount. While there’s no upper limit on personal damages to a third-party, there is a limited liability of up to Rs 7.5 lakhs in case of damages and losses caused to a third-party vehicle or property.
  

To get third-party insurance online from Digit, only three important documents are required, which are:

• Car Registration Certificate 
  
• Previous year car insurance policy, if applicable
  
• Any of these documents for KYC verification - PAN/Aadhar/DL/Voter id/Form 16/Passport
  

If you can’t decide whether to go for a third-party or comprehensive insurance policy for your car, we’ve got you covered. Check out the situations below that are the most relevant to you and plan accordingly.

Case 1: If you still have your grandfather’s car that you rarely take out for a drive

A rarely driven antique car may drive lots of attention, but it may also attract fines and penalties if you do not insure it with a third-party insurance policy, as it is mandatory by law.

Thus, a third-party insurance cover is a must for such car owners—to save on the premium and to be legally compliant, as such a car is preserved mainly for memories or displaying and not for driving.

Case 2: If you own two cars

If you have 2 cars and use only one of them mostly, while the second one you use hardly in a month, then you can get the second one insured with a third-party cover to save on the premium and to be legally compliant. 

Case 3: If you want to buy a new car but your current car’s policy renewal is due

If you are planning on buying a new car and want to save on the insurance premium when your current car’s policy renewal needs to be done, make a smart choice by renewing your insurance policy with third-party coverage for your current car. This will save the premium and will keep you legally compliant. Later, you can sell this car before buying a new one.

Case 4: If you are an experienced driver

If you have a clean car driving record and are experienced, you may believe in your driving skills but can’t expect the same from others, so there’s always a risk of accidents. In such a case, it is better to go for a comprehensive policy as it covers own damage as well. However, you can always choose to reduce your premium by letting go of the add-on covers. 

Case 5: If you bought home a new luxury car

Go straight for the comprehensive car insurance to enhance the protection cover for your brand-new expensive car. It will cover your car for both third party liability and own damage. You can also get appropriate add-on covers to maximise the coverage and protect your car in all situations.

Case 6: If you own a 5-year-old car that you drive daily

A daily-driven car must be protected with the maximum coverage to ensure your safety. So, in this situation, it is better to go for the comprehensive policy as it will cover the third-party policy and protect your car in case of accidents, theft, fire, natural calamities, etc.

With a comprehensive policy, you can also purchase add-ons like Roadside Assistance add-on cover to remain protected against car breakdowns, flat tyre or towing when driving daily.

Note: These are just a few scenarios to help you easily understand the different policy covers. Please discuss with your insurer and advisor about the best policy for you. Remember to not take it as a recommendation from Digit.