Third-party car insurance, starting at just ₹2094/year*
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Up to 3 Years Coverage*
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Up to ₹15 Lakh PA Cover*
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Discounts for EV Cars*
Third-Party Car Insurance
Third-party car insurance is mandatory under the Motor Vehicle Act 1988. It only covers the damage caused by your car to another person, their vehicle and property in case of an accident. While you pay a lower premium, you gain no protection for damages caused to your own vehicle.
For instance, you might hit another car during traffic, denting its bumper. On your behalf, IndusInd Third-party Car Insurance will pay compensation costs to the person whose car was hit, saving you from any legal troubles and financial impact. A third-party car insurance also helps you avoid fines and penalties of ₹2,000 - ₹4,000 or up to 3 months imprisonment.
At IndusInd General Insurance (formerly known as Reliance General Insurance), you can easily buy your third-party car insurance online and opt for up to 3 years* of coverage. You can also opt for comprehensive coverage in the same journey to enjoy complete protection against third-party as well as own damages. We offer yearly and long-term policy options with benefits like 24/7 customer assistance, quick renewals, cashless claims available at 11,000+ network garages*, and more.
Benefits of IndusInd Third-Party Car Insurance
Key Insights on Third-Party Car Insurance
In January 2025, the Union Finance Ministry proposed measures to link vehicle-related services with insurance. This means the government may restrict fuel, FASTag and license renewals for uninsured vehicles.
This means that once these laws are passed, vehicles without third-party insurance will not be able to access fuel if they are uninsured.
Why IndusInd Car Insurance is Right for You?
IndusInd Third-Party Car Insurance is designed to keep you moving forward with ease and a great choice for responsible drivers looking for reliable protection, hassle-free services and strong legal compliance.
Up to 3 Years Coverage*
Lock in your premiums early!
24/7 Customer Support
Dedicated support, wherever you are
Up to ₹7.5 lakhs Cover*
Covered for third party damage
Up to ₹15 Lakhs PA Cover*
Optional & available for owner-drivers
Key Features of a Third-Party Car Insurance
With affordable premiums, flexible policy terms and 24/7 support, IndusInd Third-Party Car Insurance makes staying protected easy and worry-free. Here’s why it's the perfect fit for your insurance needs.
Key Features | Details Features |
|---|---|
Premium | Starts at ₹2094* annually (IRDAI-mandated rate) |
Property Damages or Injury to Third Party | Up to ₹7.5 lakhs |
Long-Term Policy Options | Available for 1, 2 & 3 Years |
Buy/Renew Online | Available |
Personal Accident (PA) Cover (Owner/Driver) | Up to ₹15 lakhs* |
24/7 Access and Customer Support | Through calls, WhatsApp and email |
Disclaimer: Please refer to the official policy documents for detailed information.
Third-Party Car Insurance Inclusions and Exclusions
What We Cover
Third-Party Damages: You are covered for the repair and medical expenses for damage caused to someone or their property.
overage for Bodily Injury: If any other person is injured by your vehicle, the compensation is covered under the policy
Personal Accident: If the car owner/driver gets seriously injured or dies in an accident, an amount of Rs. 15 Lakh is paid to them or their family.
What We Don’t Cover
Damage to Your Car: Any damages caused to the insured (your) car from accidents or collisions
Law Violations & Outside Coverage Zone: We cover all accidents except ones that arise out of breaking the law or ones that occur outside of India's borders.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here
Stay protected and penalty-free
Call us now and we’ll handle your policy from start to finish!
How Does Third-Party Car Insurance Compensation Work?
Here’s how compensation is determined under third-party car insurance based on the type and extent of damage or injury caused:
Third-Party Liability | Scale Of Compensation |
|---|---|
Damage to third-party vehicle/property | Up to ₹7.5 lakhs |
Partial disability (one eye, one limb) | 50% of the sum insured |
Permanent Disability (Loss of two eyes or one limb and one eye) | 100% of the sum insured |
The demise of the third party | 100% of the sum insured |
Third-Party Car Insurance Premium Rates for Private Cars
For Private Fuel-Based Cars
Third-party car insurance premiums are fixed by the IRDAI based on engine capacity. Here’s a quick look at the current rates for private fuel-based cars:
Engine Capacity | Premium for 1 Year | Premium for 3 Years |
|---|---|---|
Up to 1000 cc | ₹2,094 | ₹6,521 |
Above 1000 cc up to 1500 cc | ₹3,416 | ₹10,640 |
Above 1500 cc | ₹7,897 | ₹24,596 |
For Private Electric Cars
The IRDAI also prescribes discounted third-party premium rates for private electric cars based on the vehicle’s motor power output. Here’s the latest slab:
Engine Capacity | Premium for 1 Year | Premium for 3 Years |
|---|---|---|
| Premium starting at | Premium starting at | Premium starting at |
| Premium starting at | Premium starting at | Premium starting at |
| Premium starting at | Premium starting at | Premium starting at |
Third-Party Car Insurance Premiums Rates for Commercial Cars
For Commercial Cars (Not Exceeding 6)
For commercial cars, third-party insurance premiums are set by the IRDAI based on engine capacity and include a fixed rate per licensed passenger. Here's a breakdown of the current rates:
Engine Capacity | Total Premium | Per Licensed Passenger |
|---|---|---|
Up to 1000 cc | ₹6,040 | ₹1,162 |
Above 1000 cc up to 1500 cc | ₹7,940 | ₹978 |
Above 1500 cc | ₹10,523 | ₹1,117 |
For Commercial EV Cars (Not Exceeding 6)
For hired commercial electric cars, the IRDAI offers lower third-party premium rates based on motor capacity (kW), along with per-passenger pricing. Here's the latest rate chart:
Engine Capacity | Total Premium | Per Licensed Passenger |
|---|---|---|
| Premium starting at | Premium starting at | Premium starting at |
| Premium starting at | Premium starting at | Premium starting at |
| Premium starting at | Premium starting at | Premium starting at |
How to Buy/Renew Third-Party Car Insurance
Buy Online
Go to the widget on top> Click on car > Select ‘Buy’.
Enter your car’s registration number and your mobile number > Click on ‘View Price’
Choose your coverage and policy duration > Click ‘Proceed’.
Enter your KYC details on the next page and upload any required documents
Pay using your preferred mode of payment > Get Instant Policy.
Renew Online
Go to the widget on top > Click on ‘Renew car Insurance’.
Enter your policy number or your mobile number, and your car registration number.
Review and modify your plan if you want to upgrade to more coverage
Confirm the renewal premium and pay online via UPI, card, or net banking
After your payment is processed, you will receive your renewed car police instantly.
Car insurance starting at just ₹2094 per year*!
Insure Your Car Today and Avoid Fines!
Our car insurance plans ensure you stay on the right side of the law. We offer several types of plans, including long-term policies, so you stay insured longer!
How to File a Claim Under Third-Party Car Insurance?
If You are the Victim
Inform the Insurer: Get the policy details from the third party and their contact details in the event of an accident.
Collect Evidence: Get photographs of the damage and collect contact details and statements of any witnesses.
File an FIR: File a First Information Report (FIR) at the local police station, and get a copy of the FIR report.
Case Transferred to MACT: The insurer will transfer your case to the Motor Accident Claims Tribunal (MACT) for further processing.
Claim Settlement: The tribunal decides your compensation amount and the vehicle owner will pay it as per their final decision.
If You Caused the Damage
Claims Registration: If you're liable to pay compensation, the other party must collect your policy details and file the claim and FIR.
Inform IndusInd General Insurance: Next, inform us immediately at +91 22 48903009 and submit your claim documents.
Case Transferred to MACT: We will transfer your case to the Motor Accident Claims Tribunal (MACT) for further processing.
Notify Us for Legal Notices: If you get a legal notice from the tribunal, notify us immediately, and we will address any legal consequences as per your policy terms.
Claim Settlement: The tribunal decides the compensation amount and we’ll settle the claim and pay it as per their final decision.
Third-Party Vs Comprehensive Car Insurance
While third-party insurance is legally mandatory, comprehensive coverage offers broader protection. Here’s a comparison between the two, so you can make a more informed choice:
Parameters | Third-Party car Insurance | Comprehensive car Insurance |
|---|---|---|
Legal Requirement | Yes, mandated as per Motor Vehicle Act, 1988 | Yes, compliant with the law since it includes a Third-party plan |
Third-Party (TP) Liability Coverage | Covered with no protection offered to your own car | Covered with additional protection for your own car |
Own Damage (OD) Coverage | Not Covered in the plan | Bundled with Third-party coverage under one plan |
Premiums | Low (Basic Coverage) | Higher (More Coverage) |
Add-Ons Availability | Not Available | Available |
Recommended For | Owners of a car that is older and not used very often | Mostly recommended to frequent car users for complete protection |
Key Takeaways
Third-party insurance by IndusInd General Insurance (formerly Reliance General Insurance) is a mandatory requirement under the Motor Vehicles Act of 1988. IRDAI sets the premiums for a third-party car insurance policy, and they are the same across all insurers.
Our third-party car insurance policy covers your legal and financial expenses in case you cause damage to someone else’s vehicle or property. We offer cashless claims at 11,000+ network garages* with 24/7 customer support you can rely on.
There is also a 3-year premium freeze (between 2022 - 2025) on third-party premiums, so this could be your chance to get an affordable rate on your third-party car insurance plan before the rates are revised again in 2026.
Plus, if you also need coverage of your own damages, you can buy our comprehensive car insurance plan and customise it with our 13+ add-ons (with 3 EV-specific add-ons)*. Get our affordable third-party car insurance today and drive safely with your #CarKaYaar.
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FAQ about Third-Party Car Insurance
What will happen if I drive without a valid third-party four-wheeler insurance policy?
If you are driving without a valid third-party car insurance policy in India, you can face a fine of ₹2,000 - ₹4,000 or up to 3 months of imprisonment, depending on the severity of your crime.
How do I get both third-party and own damage coverage for my car?
If you want combined coverage for third-party and own damage, you can either buy separate policies for each of them or buy a comprehensive car insurance policy.
However, please note that individual plans may be more expensive and require extensive management of both policies, whereas a comprehensive plan offers more benefits and flexibility with cost-effective premiums.
Are third-party car insurance premiums different for every car?
Yes, auto third-party insurance prices are finalised by the IRDAI and depend on the type of car and the vehicle’s engine or battery capacity. Moreover, the car's purpose, between private and commercial, can also impact the final premium amount.
Do deductibles reduce my third-party car insurance premium?
As a third-party car insurance policy does not cover own damages, deductibles are not applicable when claiming third-party insurance. You will have to pay the entire premium offered by the insurance provider.
Can I customise my third-party car insurance with add-ons?
No, you cannot customise your third-party car insurance with add-ons because the scope of coverage available under this plan is limited to third-party liabilities only.
Can we get continuous third-party coverage under the same plan?
Yes, some insurers, like Reliance General Insurance, offer the convenience of long-term third-party car insurance policies that provide continuous coverage for 2 or 3 years, depending on your requirements. This way, you enjoy the reduced hassle of annual renewals.
Is inspection by a surveyor included in a third-party car insurance claim?
Yes, when you file a third-party claim for a car accident, a surveyor will be sent to assess the severity of damage to the third party’s vehicle or property. Based on the surveyor’s report, a claim settlement amount is finalised.
What is the processing time for a third-party four-wheeler insurance claim?
According to the IRDAI, motor insurance claims should be settled within 7 days of submission of the surveyor’s report. The insurer is also liable to be imposed a penalty for any delays.
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