Third-party Car Insurance

The statutory liability cover required for a car on public roads.

What this type of cover does

Covers legal liability for third-party injury, death or property damage as defined by law and policy.

Who commonly considers it

Car owners who need the mandatory minimum cover.

What to check in the policy

Registered name and IRDAI registration details of the insurer or intermediary
Who is insured, when cover starts and when it ends
Sum insured or benefit amount, deductibles, co-payments and sub-limits
Waiting periods, exclusions, claim conditions and cancellation terms
Premium amount, taxes, renewal rules and consequences of missed payment
Claim contact details and the insurer’s grievance-redressal process

Features vary by insurer and product. A generic plan type cannot tell you whether a particular claim will be paid; only the issued policy wording can do that.

Independent checks

Confirm the provider’s registration and read the customer information sheet and full wording before paying.

Open IRDAI

Also under Motor Insurance

Comprehensive Car Insurance
Common
Third-party liability plus own-damage protection for a private car.
Often considered by
Private car owners wanting broader protection.
Understand this cover
Standalone Own-damage Car Insurance
Own-damage cover used alongside a valid third-party policy.
Often considered by
Car owners who already hold a long-term or separate third-party policy.
Understand this cover

View all motor insurance