Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only ₹2,094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    Other models
    Other variants
    Select your variant
    View all variants
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      What Is Covered Under Third Party Car Insurance Policy?

      Every car owner must buy a third party car insurance policy to ensure proper protection against unnecessary expenses arising from the medical treatment, property damage or a financial loss, accidental or legal liability from the end of a third party. Various reputed insurance providers in the country have come forward with effective third-party insurance plans to provide coverage to individuals against such incidents.

      Read more

      What is Third-Party Car Insurance?

      In simple words, it is an insurance policy that protects you from legal liabilities, which may arise in case of an accident. Suppose you hit someone’s car and caused them severe damages. In that case, your insurer will bear the expenses and/or liabilities arising from such an eventuality.

      Third-Party Car Insurance Policy is Mandatory in India

      Yes, it is true that third-party car insurance is mandatory in India. When you buy a new car, it is mandatory for you to buy a car insurance plan too. According to the Motor Vehicle Act, 1988, if you are driving a car on Indian roads without a valid insurance plan, then you may face serious legal issues. So, the best thing is to avail at least a third-party insurance plan for your car.

      What is Included in a Third-Party Car Insurance Plan?

      Now, you must be thinking about the inclusions in third-party car insurance. Under a third-party policy, the insurer covers the liabilities, in case the policyholder is responsible for any injury or loss to a third party.

      The insured person is termed as first party, the insurer or the insurance provider is termed as second party, and the person who is injured is considered as third party.

      When you buy a car insurance plan, remember to compare multiple plans online. To know the inclusions of third-party insurance in details, let’s have a thorough look at the coverage offered by this policy:

      • Property Damage: In case you have caused severe damage to the property of a third party in an unfortunate accident, then you don’t need to worry about the expense arising from the mishap. Third-party insurance ensures that the insurer will pay for the damages to the third-party. Thus, the insured can safely step out of the complicated situations of accidents.
      • Death: If you are involved in an accident, which leads to the death of a third party, then you are solely responsible for the unfortunate loss that nothing can make up for. In such cases, you do not have to worry, as your insurer has got your back. Whenever there is a death situation, the claims are judged as per the court tribunals. The court determines the compensation as per the consequences of unfortunate loss and earning capability of the third party.
      • Partial and Permanent Disability: Sometimes, accidents lead to disability. If the third party is subjected to partial disablement like fractures and other disablements, which can be recovered with time, then the insurer offers necessary coverage in terms of medical expenses to the affected individual(s). But, if the third party is subjected to permanent disablement, then the insurer offers a pre-assured sum to the third party.
      • Bodily Injuries: No matter how intense the injuries of a third party are, medical coverage is offered for all types of bodily injuries. Reputed insurance companies understand that the accidents are caused unfortunately and these events cannot be controlled. Thus, insurers effectively reduce the stress of the insured by offering them the financial support

      So, these are the benefits included in third-party insurance. The above coverage offers great benefits to the insured during accidents or other inconveniences. However, this is just the tip of the iceberg. You can read our previously published article to know more about benefits of third-party insurance. Regardless, here are a few benefits:

      What more does Third-party Car Insurance Cover?

      • Financial and Legal Assistance: After availing third-party insurance for your car, you do not need to worry about those legal issues associated with accidents. Remember, a third-party insurance policy defends you securely in case of accidents. You will not be subjected to any of those court tribunals if you have got a valid third-party car insurance policy. Apart from that, this policy covers you for expenses associated with the recovery of the loss of a third party.
      • Cost-Effectiveness: If you think, third-party insurance policies are costly, you are wrong. Look, the insurance premiums are specifically designed as per the comfort of all categories of vehicle owners. The premium you have to pay is subject to the model and engine capacity of your vehicle As compared to a comprehensive car insurance policy, the premiums of a third-party insurance policy is quite low.
      • Online Procurement Procedures: To buy a third-party insurance plan for your car, you do not need to visit the official premises of any insurer, as insurance plans can be availed online. Insurance companies have dedicated web-based insurance portals to ensure proper plans to the vehicle owners. You can simply log in, browse insurance plans and can choose the best one according to your requirements.

      Recommendations for Third-Party Car Insurance Policy Companies

      At present, there are so many companies that offer car insurance policies. It is highly recommended to avail services only from reputed companies. Or else, your money will be wasted. To avoid confusion while buying a car insurance policy, here we have mentioned some reputed insurance companies and their services. You need to compare car insurance policies offered by these service providers and should choose accordingly:

      • Bajaj Allianz General Insurance Co. Ltd.: Bajaj Allianz is termed as the most customer-friendly insurance company in India, as it greatly aims to satisfy the customers with its feature-rich policies and cashless claim settlements. Apart from that, it offers door-step surveyor facility to reduce the doubts of car owners. You can easily purchase Bajaj Allianz car insurance through online EMIs. It has tied up with more than 1500 garages and thus ensures cashless settlements without any hassle.
      • TATA AIG General Insurance Co. Ltd.: This insurance service provider is known for its hassle-free claims and services. You will find the network garages of TATA AIG all over India. Again, because of experienced claim settlers, it manages to settle the claims within seven days only. To enhance the effectiveness of insurance policies, TATA AIG offers unique add-ons with its car insurance plans. It offers a warranty on every repairing. Thus, there is no need to worry about further servicing.
      • The Oriental Insurance Co. Ltd.: This insurance company is owned by the Central Government of India. Thus, it is termed as one of the most reliable insurance firms in the country. Apart from that, Oriental Insurance is highly known for its fast claim settlement procedure and high claim settlement ratio. Indeed, you don’t need to worry about your claim. You can directly interact with the claim settlers and can express your issues. Oriental car insurance also offers valuable add-ons to the third-party insurance plans.
      • Bharti AXA Insurance: If you compare car insurance policies in India, chances are high that you find Bharti AXA car insurance offering policies at the lowest premiums. This is the main reason why car owners greatly appreciate the services of Bharti AXA. Apart from that, it offers necessary inclusions with the policies, which are pretty necessary for vehicle owners. It has 2500 + network garages across India so that you do not face any difficulties at the time of claims.

      There are many other insurance service providers in India, which offer car insurance policies. You need to compare car insurance policies keenly to ensure the best for yourself. So, start your communication with the executives of reputed insurance providers today and grab more and more information regarding third-party Car insurance policy.

      Conclusion!

      From the above discussion regarding the third-party insurance plan, it supports low premiums, no-Fault liability and covers bodily injury, property damage, and even the death of a third party.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar
      Claim Assurance Program

      Car insurance Articles

      • Recent Article
      • Popular Articles
      20 Jun 2024

      Top 5 Car Care Tips to Beat The Summer Heat

      The extreme heat and constant heat wave warnings have made

      Read more
      11 Jun 2024

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand

      Read more
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand car require you to find car owner details by number

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL