What is Third Party Insurance

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What is Third-Party Car Insurance and Why is it Mandatory?

What is Third-Party Car Insurance Policy?

What's Covered in Third-Party Car Insurance?

Personal Damage to Third-Party

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.

Property Damage Compensation

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.

Personal Accident Cover

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.

What’s Not Covered?

It is equally important to know what’s not covered in your third-party car insurance policy, such as:

Own Damage

Under this insurance policy, damage to your own car won’t be covered.

Drunk Driving or Without a Licence

In situations where you were driving drunk or without a valid four-wheeler license, your third-party car insurance won’t cover you.

Difference between Third-Party vs Comprehensive vs Own Damage Car Insurance

Third-Party

Comprehensive

Own Damage

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How to File a Third-Party Car Insurance Claim with Digit?

Documents Required for Third-Party Car Insurance Claim

What do We do When You File Third-Party Car Insurance Claims with Digit?

Things to Consider Before Making a Third-Party Car Insurance Claim

Advantages of Getting a Third-Party Car Insurance Online

Covers You Financially

In case your car causes loss or damage to third-party person, property or vehicle, someone or their vehicle/property- the expenses to pay for damages will be covered by your third-party car insurance policy so you don’t have to pay anything out of your pocket.  

Legal Compliance

In India, every car owner should have at least third-party car insurance policy to drive legally on the roads.  

Helps Avoid Penalties

If you’re driving without at least an active third-party car insurance policy, you will be liable for a fine of ₹2,000 and/or up to three months in prison.

Covers Third-Party Person

If while driving your insured car, you accidentally hurt a person or cause their death while driving, your 3rd party car insurance policy will cover the costs.  

Covers Third-Party Property or Vehicle Damages

Similarly, in the case where you damage one’s property or vehicle with your insured vehicle, your third-party car insurance will cover their losses, up to ₹7.5 lakhs!

Protects You in Case of Physical Injuries

In case you don’t already have a personal accident cover from any other policy, a car insurance third party policy will you as well in case of serious injury or death. 

Saves Time and Effort

Buying third-party car insurance online is a quick and hassle-free process that requires only your car details (registration number, make, and model) and your ID (Aadhar/PAN), and you'll get your policy by email.   

Explain It like I'm five

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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