What is Third Party Insurance

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It’s part of the law. You can’t avoid it. Turns out you can’t understand it either. But, that’s what we’re here for. To make insurance and everything that surrounds it, easier for you. Almost as easy as it is to get answers to peculiar questions on google. At least that's what we’re hoping for 😉
It's what helmets are to bikers, passports are to international travelers and Schengen visa is to European countries. You simply can’t do without it. It goes beyond the law. It’s illegal and you will likely get into trouble if you don’t have it.
According to the Motor Vehicles Act, every car in India at least needs a Third-Party Car Insurance to be able to drive on Indian roads legally. However, that’s not what should actually worry you. It’s only human to be selfish. Just a little bit, no?
A Third-Party Insurance basically covers for all expenses that arise in cases where you (of course, while driving!) happen to damage any third-party. Whether that’s a third-party property, person or even another vehicle itself.
So, whether you want to be the good chap in the eyes of law or, want to protect yourself from unplanned, highly possible and super unfortunate expenses...then you essentially require an insurance that covers for third-party damages and losses, i.e a Third-Party Insurance.
Although just a Third-Party Car Insurance serves the legal purpose, it’s still not enough. Now, we know how much you love your car- so here’s a little bit of an insider insight here- we almost always recommend a Comprehensive Car Insurance Policy cause it not only covers for the law and third-party damages but also covers for losses and damages caused to your own car!
God forbid, someone loses their life or is injured due to your car, your third-party insurance will compensate for all expenses involved. Because life is so invaluable there is no limit up to how much will be compensated in this case.
Life is no action movie and if you bump into a property or another vehicle, leading to damages (yes, even hitting a street lamp is counted) you can’t just get away with it. You need to compensate for the loss and luckily, your Third-Party Car Insurance will do that for you, for up to Rs 7 lakhs.
Whether you purchase a Third-Party Car Insurance or a Comprehensive/Standard Car Insurance, it’s essential that you have a personal accident cover. With this cover included, your Third-Party Car Insurance will also cover for your personal injuries in the case of an accident.
We’re like the GenZ of today. We’re tech savvy. We hate paperwork. We love our mobile phones to death and we sure as hell love completing our work in a nick of time. So, making a claim with us isn’t that much of a hassle. Here’s what you need to do:
Guess what? We love claims! And contrary to what people say about the insurance guys, we don’t really live up to all those vague stereotypes and generalizations. We’re nice. Period. We know humility is a thing, but we’re just being honest here 😉 You’re pretty much a friend to us, and what do we do for our friends. Everything that we can do in our capacity.
Rohan rides his cycle to school every day. One day, while parking his cycle he accidentally bumps into one of his classmates' cycle. Rohan gets super scared because there are damages to the cycle. He calls his dad for help. His dad talks to his classmate and promises to pay for the repairs. This is quite like what happens if you have a Third-Party Liability Cover! Except we play the role of your dad here 😀
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Author: Team Digit
Last updated: 21-03-2025
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.
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