What is Third Party Car Insurance?

With a Third Party Liability policy, you can keep others safe and secure too. We will cover your legal liability towards third parties for bodily injury (including death) and property damage caused by an accident involving your vehicle.

Features of our various third party liability car insurance policies

A third party car insurance policy has the following features

  • Coverage against third-party liabilities

    If you incur any financial liability due to physical injury, death or property damage suffered by another individual, it is called a third-party liability. Such liabilities are covered by the 3rd party car insurance policy. If you face such liabilities, the policy compensates the third party on your behalf.

  • Low premiums

    The premiums for third party car insurance plans are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The premiums depend on the cubic capacity and segment of the car and are low.

  • Mandatory requirement

    The 3rd party car insurance policy is a mandatory requirement as specified under the Motor Vehicles Act, 1988. So, if you own a car, you have to buy the third party coverage mandatorily.

  • Long-term coverage

    For new cars, the third party coverage is allowed for a long-term period of three years. You don’t have to renew the policy every year.

  • High coverage

    The third party policy covers bodily injury and death up to the amount decided by the motor tribunal. Whatever is the liability amount, the policy covers it. Property damages are covered up to Rs.7.5 lakhs.

  • Online issurance

    Under comprehensive plans you can get cashless claim settlements on repairs if you take your car to a networked garage

Key benefits of Liability Only - Private Car Insurance

  • Covers death of third party due to accident

  • Bodily injury to a third party

  • Third party property damage

  • Personal Accident Cover to owner driver

Waiting Period/Exclusions

  • This cover does not protect you from the cost of any damage to your own vehicle or belongings in the event of an accident. Hence, it is recommend that you opt for a comprehensive cover instead of just the Third Party Liability Cover.



Liability only (Private Car)


Liability Only (Private Car) – 3 years