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Third Party Car Insurance

Q: Is third-party car insurance mandatory?

Yes, it is the minimum insurance coverage you must have to drive your car legally in India. Not having at least a third-party insurance can lead to hefty fines or even imprisonment.

Q: What documents should I submit when raising a claim for third-party car insurance online?

Unless the situation requires it, you do not need to present any documents while making a claim. However, at the time of assessment by the Motor Vehicles Tribunal, you have to provide a copy of the FIR made by the third-party regarding the incident.

Q: Is there a better policy than a third-party liability policy?

If you want all-rounder coverage for your car, then a third party liability policy is not enough, as it doesn’t cover any damages to your own car. An own damage or a comprehensive policy comes with a host of other features like no claim bonus, range of add-ons to choose from, customisable coverage and more.

Q: What happens to my third-party car insurance policy if I sell my car?

A car insurance policy is bought for a car instead of an individual. Hence, if you sell your car to someone else, the insurance policy must be transferred to the new owner along with it. However, you have to make sure you carry out the proper paperwork to transfer the ownership of the car so that in case of an accident later, you are not held liable.

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Recent quote | Get Third Party Insurance

What is third party car insurance

Also known as third-party liability insurance, third-party car insurance is a type of coverage plan that assists you in covering any legal or financial liabilities that arise out of an accident. This type of car insurance applies to damage or loss you may have inflicted upon a third-party individual, vehicle, or any other property. However, it does not cover damages to your own car or you.

If you are found driving without a valid insurance policy, you will have to pay a hefty fine or, in some cases, face imprisonment. Moreover, you would have to cover all the financial and legal liabilities arising out of the incident.

Importance of third-party car insurance

Saves you money and efforts.

Avoid paying traffic fine

Being caught driving without a valid car insurance policy puts you in the wrong side of the law. You’ll have to either pay a monetary fine of ₹2000 or face imprisonment of up to 3 months when you are caught for the first time. Next time onwards the fine becomes ₹4000.

Avoid paying for others' damages

A third-party insurance is the most affordable type of coverage you will find. Even though it doesn’t cover your own damages, you are protected from paying a large sum of money as compensation to third party damages resulted in an accident with your car.

Get legal support

Under this policy we will extend legal support to you in your defense proceedings in a court of law, should you need it.

Why is third party car insurance mandatory in India?

In India, if you want to buy a car, you have to buy car insurance with it. The law makes it mandatory for you to do so. As per the Motor Vehicles Act, you need to have basic insurance coverage to legally drive on the road. Since it’s the law, everybody has to get a policy. However, do you know why the rule is so? Every driver and every vehicle can become a part of an accident. In an accident, you might end up damaging your car and hurting yourself. For these scenarios, people buy motor insurance policy. However, insurance is more than just a legal purchase formality. In case of an accident where some other people or their assets/properties are involved, damage can happen both ways. This means both you and the other person involved are at risk. Hence, you have to buy a third-party car insurance to address any harm or damage that may come to another person or his/her property in an accident with your car.

What is covered by ICICI Lombard third party car insurance policy?

Inclusions
Exclusions

Third party property damage
A third-party policy will compensate any individual that has suffered property damage due to your vehicle in an accident. This compensation for property damage is ₹1 lakh.
Third party injury
Accidents put you at a great risk of not just property damage but also of physical harm to both parties involved. If the accident was caused by your car, you are liable to compensate for any injury or death caused to others. In a third-party plan, the coverage for third party injury is unlimited; the exact amount is decided by a court.

What’s not covered in a third party car insurance policy?

Own damages
A third party car insurance policy does not cover any damages to your own vehicle.
Driving without a license or under intoxication
A third-party policy will not cover any damages if you get in an accident while driving without a license or under the influence of intoxicants.

Learning to drive without a guide with a driving license
If you are learning to drive and have a learner’s license, you should have a valid driving license holder with you to guide you. Any accident that may occur while you are driving without one will not be covered by a third-party policy.
Theft of vehicle
The coverage of third-party car insurance is focused on legal and financial liabilities of the third-party. Coverage for vehicle theft is not covered.

Add-on coverage
Add-ons are extra pieces of coverage that refine your policy further. However, they can only be bought with a comprehensive policy. Hence, add-on coverages like No claim bonus, Zero depreciation, key replacement, etc. are not covered in third-party plans.

Features of third-party insurance offered by ICICI Lombard

ICICI Lombard is one of the most reliable general insurance companies in the Indian market. Hence, it is often the benchmark of what an insurance product should be like. This applies to third-party insurance as well. It can protect you from legal liabilities arising out of:

Permanent injury of a third-party
Death of the third-party
Property damage to the third-party

Just like most other insurance providers, a third-party plan with ICICI Lombard has a tenure of one year.

Feature	Benefit of ICICI Lombard third party insurance
Premium	Starting from ₹2,094
Policy buying	Seamless online insurance buying
Injury to third party	Unlimited (decided by the court)
Property damage to third party	Up to ₹1 lakh
Legal support	Defence representation in court

How does third-party car insurance work?

As the name suggests, a third-party policy focuses on another individual involved in an incident that happened with your car. In such a situation, you are liable to pay compensation for any physical harm or property damage that this individual may face. Depending on the damage, this compensation can be too much for you to pay out of your own pocket. Moreover, there can be a legal issue if the third-party chooses to take the matter to the police or the court. In such a situation, we will cover the costs for you. ICICI Lombard will cover all liabilities that are included in the terms and conditions of your coverage. We will compensate the third-party for injuries and property damage. Hence, having a third-party insurance cover reduces the financial burden in the case of an accident or any other mishap.

Is third party car insurance expensive?

No, a third-party insurance is one of the cheapest insurance products you will find. The price of the insurance product depends on the coverage it offers. In the case of a third-party plan, the coverage is solely for the liabilities that may arise out of an accident. This can include financial liabilities like paying compensation for injuries or property damage. It also includes legal liabilities like having to deal with the FIR that has to be filed after the incident. All of these combined can take a toll on your pocket. In such a scenario, a third-party insurance plan covers for you.

Price for third-party insurance

The insurance regulatory body, IRDAI, has standardised premium for third party car insurance, and it depends only on the cubic capacity of your car. This means the price you pay for a third party policy is the same irrespective of the insurer.

Vehicle	Third-party insurance price
Not exceeding 1000 cc	₹2,094
Exceeding 1000 cc but not exceeding 1500 cc	₹3,416
Exceeding 1500 cc	₹7,897

Third party car insurance is cheap, but is it adequate?

Having a third party cover for your car is necessary, but it may not be sufficient. A third party policy protects you from unexpected liabilities that may amount in lakhs. It also saves you from getting a traffic fine while driving. But your own car remains at risk. You’ll have to bear all the repair costs on your own if your car gets damaged. This is why a comprehensive insurance policy is recommended for any car owner.

“But I hardly take my car out on the road.”

Your chances of getting into an accident may be lower, but what about theft? Every year, thousands of motor theft cases are reported to police and it is the least solved crime as per police data#.

“But my car is very old.”

It’s true—as your car ages, its value reduces due to depreciation. This means your car’s insured declared value becomes lower. But it also means that your premium for own-damage will be lower. Why pay for any damage when you can get it covered at an affordable price.

Advantages & disadvantages of third party car insurance

Advantages
It’s cheaper than a comprehensive policy.
Protects you from sudden liabilities.
Allows you to drive without trouble from the law.

Disadvantages
Doesn’t cover damages to your own car.
Doesn’t cover you if your car gets stolen.
Doesn’t allow you to customise your plan.
Doesn’t support you if your car breaks down.

Comparing third-party insurance and comprehensive insurance

Benefit	Third party insurance	Comprehensive insurance
Damages to third party property
Third party injuries
Accidental damage to own car
Car theft
Natural calamities
Fire, riot, terrorist activities
Up to 50% No Claim Bonus_F
Customisable plan
Breakdown support
Zero depreciation
Engine protect_G

What if I already have third party insurance for my car?

Having third party car insurance doesn’t mean you can’t get a policy to cover damages to your car. We have introduced stand-alone own-damage private car package policy (OD policy) just for this. You can now choose your car’s coverage, customise the plan, and pick add-ons of your choice and buy an OD policy online seamlessly.

“My third party policy is from another insurer.”

No reason to stress. You can still get a stand-alone own-damage policy from us. As third party and stand-alone own-damage policies have different type of coverage, you can avail the two policies from different insurers.

How to renew third-party car insurance online?

All you have to do is visit our website and click on Renew. Fill in your policy number and make the payment to renew your policy instantly. You will receive your new policy documents through e-mail.

Online renewal also offers you a lot of options. One such option is to review your coverage and get a better deal. While renewing your policy online, you can go for a different coverage without having to go through the hassle of buying a new policy.

How to claim for a third-party car insurance?

The process of making claims in third-party policies is different than that of comprehensive policy. Due to the legal liabilities involved, the process itself has legal formalities that need to be carried out. Moreover, the process for making claims can be different if there is a special condition involved in the incident. Here is the basic process of making a third-party insurance claim:

1
Notify us of your accident.
2
The third-party has to file an official FIR of the incident.
3
The case has to be registered in the Motor Vehicle Tribunal.
4
The case will then have a hearing at the tribunal. You will have to provide evidences and testimonials regarding the incident.
5
The tribunal will then declare the result of the case and declare guidelines accordingly for the claims settlement process.
6
The claim amount is then disbursed as decided by the court.

Reviews and ratings
for third-party car insurance

4.2
Our customers have rated us
Based on 132 reviews

I just purchased this car insurance policy because of the following reason even after getting cheaper offer from other competitors: 1. Proper follow up and prompt update 2. The way your team explained the feature of policy such as 24x7 road side assistance, zero depreciation, and high number of cashless garages etc. 3. Excellent customer service

Your team was very helpful in telling the details of the premium breakup and the IRDA specific mandates. Unlike others, they informed me about the terms and conditions of zero depreciation coverage in the car insurance policy. Thanks for advising and helping with information.

Nice support and assistance given by your support team for renewal of my car insurance policy. Because of service and benefits offered by ICICI Lombard, I migrated from existing insurance firm to ICICI Lombard.

Very helpful team of ICICI Lombard, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.

Thank you for the excellent service and clarification provided in even the minute details. Helped me a lot and I got a clear insight of the ICICI Lombard car insurance services. Thank you again. Keep up the good work.

I renewed my car insurance policy online, it was a very good experience I got a very nice guidance by your team. I would like to give 5 stars rating for the service.

Your sales representative has been fantastic on his customer service skills. He has been very informative, and ensured that, I as a customer is completely comfortable before making the move to buy car insurance policy. Wish him good luck and graceful career ahead.

I am extremely satisfied with the way your Customer Support Executive addressed my need over phone and helped me renew my car insurance policy which was expiring today. His excellent service encouraged me to take this policy from ICICI Lombard instead of going to some other service provider. Keep up the good work.

I was serviced by your team, they explained all the silent features of the car insurance policy and helped me to renew my car policy from ICICI Lombard.

I am very much impressed with the customer care representative of ICICI Lombard, who helped me in the process of renewing my car insurance policy over the phone. She explained each and every information of a policy. Thank you.

I am really delighted by the support, guidance and behavior of ICICI Lombard representative. The way she has guided me it’s really outstanding. "A Brand cannot be created by advertisement, it can be created only by good Customer Experience" A real caring human touch for the customer. She is an asset for any Organization. All the Best, Thank You

To whomsoever it may concern, would like to acknowledge the excellent support provided by ICICI Lombard team in purchasing a new car insurance policy. They explained me inclusion & exclusion of a policy. Great job. Please keep it up.

I spoke with one of your representative, she was brilliant in order to make me understand all the benefits of the car insurance and very calmly shared the exclusions. Amazing customer service given by her. I wish her all the best for all her future endeavors.

It was a pleasure interacting with your team to buy an insurance policy for my car. They had a great understanding of the product and its features. An absolute customer delight.

Great follow up and persistence from ICICI Lombard team. They had clearly elaborated on the options and the plan available in car insurance. They had been following up for the last 20 days with patience. Kudos!!

Hi! I received an excellent support from your sales executive to get my old Car Insurance renewed with ICICI Lombard. He explained all the intrinsic details about the policy that I was looking for. His explanation and inputs helped me to make a decision of buying this policy. I appreciate his customer centric approach and his patience.

I’d like to take a moment to express my appreciation for your team member, who was extremely helpful when I called the customer care to renew my Car Insurance policy 3001/76974158/03/000. It was good to start the year with a positive customer experience. Thanks

Thanks to your salesperson, my experience of purchasing car insurance from ICICI Lombard was remarkably smooth. She explained to me the advantages of the policy, such as personal accident coverage of Rs. 2 lakh, in a clear and simple language. I’m really grateful for her assistance.

ICICI Lombard’s agent gave me complete information about the policy benefits, including roadside assistance and coverage against third-party legal liabilities. Moreover, she satisfactorily answered my queries, and made the policy buying experience seamless and easy for me. Thanks for being so supportive.

I got a prompt and excellent service from ICICI Lombard while purchasing a car insurance plan. Your agent gave me a comprehensive explanation about the benefits of the policy, including roadside assistance for accommodation and minor car repairs. Thanks for the fantastic experience!

I had a nice conversation with your customer care executive. He explained clearly the ins and outs of your car insurance plan including benefits such as inbuilt personal accident coverage. The polite way in which he answered each and every of my questions convinced me to purchase the policy.

My experience with ICICI Lombard’s customer care department has been very good. The executive that I spoke to was professional and courteous. Though the system faced some issues with the login and vehicle description, all in all, the process of policy purchase was very easy for me.

I’m delighted with ICICI Lombard’s customer service. The customer care person was very meticulous with his follow-ups, and ensured that the process of buying the car insurance policy was quick and easy for me. Good work! Keep it up.

The agent handled our interaction in a smooth and professional manner. She was able to resolve the technical glitch I’d been facing while buying ICICI Lombard’s car insurance policy online. I really appreciate her patience, and wish her great success for the future.

I received excellent support from your customer service associate while purchasing my car insurance policy. She made regular follow-ups, resolved all my queries, and really managed to convince me to become a policyholder with ICICI Lombard. God bless her!

Just bought a car insurance policy from ICICI Lombard. Your agent helped me to understand the benefits of the policy, such as coverage against third-party liabilities as well as roadside assistance for minor repairs and accommodation. She deserves a good rating for providing me with much-needed guidance.

The salesperson was of great help to me while I was buying car insurance from ICICI Lombard. He showed genuine interest in answering all my queries, and helped me to complete the purchase. Appreciate his patience. Keep it up!

I renewed my car insurance with ICICI Lombard today. I’m happy with the comprehensive explanation of the policy provisions that was provided by your customer service associate. He even helped me to buy an accident insurance plan. Appreciate the support.

I would like to thank your customer sales representative for helping me choose the right policy for my car. She shared with me all the information I’d requested for with regard to your insurance plan. Kudos to her for the excellent support!

My conversation with your insurance advisor regarding the purchase of my car insurance plan turned out to be quite nice. He simplified the ins and outs of the policy, principally the advantages such as personal accident cover of Rs. 2 lakh. Thanks for the lucid explanation!

I’d been looking up car insurance quotes online when your executive gave me a call. She sold me the idea of renewing my insurance with ICICI Lombard by highlighting the policy benefits like personal accident cover of Rs. 2 lakh, and coverage against third-party legal liabilities.

Had a smooth, hassle-free experience while buying car insurance from ICICI Lombard. The customer service representative gave an excellent description of the policy advantages such as cashless services across an expansive network of garages. I am glad to have made the decision to buy the plan.

Your executive spoke with me for nearly an hour in order to help me buy the right policy for my car. His precise answers to all my insurance queries has left me impressed. His dedication and devotion to his work is clearly evident. I wish him a successful career with ICICI Lombard.

ICICI Lombard’s executive was very diligent with his follow-ups. He responded to my queries in a courteous manner, and guided me through the purchase of my car insurance. I would love to interact with him again in the future for any insurance needs. Thanks for being so helpful!

Received timely assistance from your customer service department when I was looking for guidance with regard to buying car insurance. The agent had good communication skills, and explained all the important details about the policy such as the inclusions and exclusions of coverage.

Your customer service associate came to my aid when I was looking to switch my car insurer. He helped me in the best possible way to renew my policy with ICICI Lombard. Really appreciate the guidance I was provided with during the purchase.

I’d been on the hunt for a new car insurance company, and so decided to get in touch with your team. Your executive answered my queries regarding the renewal process. Her good technical knowledge of the policy prompted me to renew my car insurance with ICICI Lombard.

A big thumbs up to ICICI Lombard’s customer service! The insurance advisor I spoke with was very patient, and convinced me to buy the car insurance policy. Hope to receive a high standard of service from your other advisors too. Thanks.

Thanks to your salesperson, I was able to buy car insurance from ICICI Lombard without any complications. She was polite and respectful, and gave some valuable assistance to help me out with the purchase. I’m fully satisfied with the service provided.

Your agent spoke clearly and gave me a succinct outline of your car insurance plan. He simplified the policy buying process for me by walking me through each and every step. Looking forward to a good experience from ICICI Lombard in the future too.

I’ve renewed several of my insurance policies in the past, but my experience while renewing car insurance with ICICI Lombard was the best. Your agent explained clearly and understandably all policy-related details. I’ve decided to renew all my other insurance plans with you in the future.

Just bought a car insurance plan online from ICICI Lombard. The salesperson explained to me the policy provisions in a clear manner, especially the benefits such as coverage on replaced parts of the car. He helped me to choose a suitable plan for my insurance needs. I would like to thank him for his support.

Thanks to your customer support associate, I was able to get the best insured declared value (IDV) and maximum number of add-ons, including a free Carnot device which keeps track of my car’s health. He also explained the features of your car insurance plan in detail and later, helped me to complete the payment online.

Your salesperson walked me through the terms and conditions of your car insurance plan. She spelled out clearly the policy features like coverage against loss or damage to the car by natural and manmade calamities, and other facilities offered by ICICI Lombard. I would like to wish her all the best for the future.

Read all reviews

Frequently asked questions on third party car insurance

Is third-party car insurance mandatory?

What happens if I am caught driving without a third-party insurance policy?

Traffic police in the country have the right to stop you and ask you to show the necessary documentation. At this time, if you cannot show a valid insurance policy, you will be subjected to a fine of at least INR 2,000. Depending on your driving record, you may also have to face imprisonment.

If you claim for a third-party car insurance, will you lose your no claim bonus?

A no claim bonus benefit applies only to making claims for damages to your own car. Since, a third-party policy does not cover own damages, you cannot have a no claim bonus. Moreover, no claim bonus in car insurance is an add-on benefit that can only be availed with a comprehensive policy.

Is third-party insurance enough for my car?

The adequate insurance coverage depends on the car. Hence, every car has a different set of coverage needs. If you are only trying to avoid paying traffic fine by keeping your paperwork proper and you don’t mind paying for the repair costs when your car gets damaged, a third-party insurance is enough for you. Otherwise, you should go for a comprehensive policy.

What happens if I meet with an accident in a different city/ state?

A third-party policy is active wherever you can drive a car within India. Hence, if you meet with an accident in another part of the country, you can still make a claim.

What is the maximum compensation offered as part of this policy?

There’s no limit on the coverage for third party death or injury. Your third party policy will cover the amount decided by the court. The maximum compensation offered by a third-party policy for property damage is INR 1 lakh.

What documents should I submit when raising a claim for a third-party car insurance online?

Unless the situation requires, you do not need to present any documents while making a claim. However, at the time of assessment by the Motor Vehicles Tribunal, you have to provide a copy of the FIR made by the third-party regarding the incident.

Is there a better policy than a third-party liability policy?

If you want a all-rounder coverage for your car, then third party liability policy is not enough, as it doesn’t cover any damages to your own car. It comes with a host of other features as well, like no claim bonus, range of add-ons to choose from, customisable coverage and more.

Is it possible to renew a third-party car insurance policy online if I had purchased it offline?

Yes, you can renew your third-party car insurance policy online at the ICICI Lombard General Insurance website or the ILTakeCare mobile app.

What happens to my third-party car insurance policy if I sell my car?

A car insurance policy is bought for a car instead an individual. Hence, if you sell your car to someone else, the insurance policy must be transferred to the new owner along with it. However, you have to make sure you carry out the proper paperwork to transfer the ownership of the car so that in case of an accident later, you are not held liable.

Does the model of my car matter while buying a third-party policy?

A third-party policy has its coverage based on the cubic capacity of the engine of the car. Since, different cars can have different cubic capacities, the premium for the policy can differ based on it. However, the coverage remains uniform across all car models.

Who handles the cases filed for third-party claims?

The case filed for third-party claims are handled by the Motor Vehicles Tribunal. It is a court of law that deals with issues regarding the right amount of compensations, investigation of the incident, etc.

Is there a time limit before which one has to file a claim?

It is better to claim as soon as possible after the accident. File a claim within 24 hours of the incident by calling us on 1800 2666.

How does third-party car Insurance work for private vehicles?

A private vehicle is one that is owned and used by an individual. By law, it is the sole property of that individual. A third party insurance protects car owners from any liabilities arising out of an accident involving their cars. It covers third party property damages up to 1 Lakh. It also gives unlimited coverage for third party injuries/death; the actual amount is decided by the court.

How does third-party car insurance work for commercial vehicles?

A commercial vehicle includes cars used for employee transportation, trucks used for transporting goods, etc. These vehicles belong to a business entity instead of one person. However, third-party policies cover cars instead of car owners. Hence, buying third-party plans for commercial vehicles is almost the same as buying one for a private vehicle. The terms and conditions of the policy are same. However, there can be a difference in coverage, premium, and purchase process.

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Third Party Car Insurance

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Understand your vehicle registration number

Understand your vehicle registration number

What is third party car insurance

Importance of third-party car insurance

Avoid paying traffic fine

Avoid paying for others' damages

Get legal support

Why is third party car insurance mandatory in India?

What is covered by ICICI Lombard third party car insurance policy?

Third party property damage

Third party injury

What’s not covered in a third party car insurance policy?

Own damages

Driving without a license or under intoxication

Learning to drive without a guide with a driving license

Theft of vehicle

Add-on coverage

Features of third-party insurance offered by ICICI Lombard

How does third-party car insurance work?

Is third party car insurance expensive?

Price for third-party insurance

Third party car insurance is cheap, but is it adequate?

Advantages & disadvantages of third party car insurance

Comparing third-party insurance and comprehensive insurance

What if I already have third party insurance for my car?

How to renew third-party car insurance online?

How to claim for a third-party car insurance?

Reviews and ratings for third-party car insurance

4.2

Andleeb Mandai

Puneet Gupta

Arvind Chauhan

Asif Khan Chowdhury

Shahnawaz Mateen

Nilesh Date

Mithun Chakraborty

Sivakumar Kr

Manoj Kumar

Karthikeyan P

Lyton Roy

Sarguna Raja Marimuthu

Neeraj Kumar

Vijay Choudhary

Senthilnathan C

Prashant Deshmukh

Rajeev Palanki

Satish Chandra

Arindam Sau

P.K. Dhar

Vikram Singh Kaintura

Jigar Katoriya

Sridhar K.

Rahul Thathoo

Arun Saxena

Hemant Srivastava

Eshwar Pavan Manthena

Bala Showry Raju Pudota

Jayamurugan Natarajan

Nitin Baban Pabal

Narasimha Rao Gopisetty

Praveen Redddy

Radhakrishnan A.R.

Saurabh Prasad

Adarsh Kumar Singh

Suhel Singh

Palanisamy Aspa

Raja Rajeshwaran

Kapil Kumar

Varagunan Sambandam

Varad Sawant

Rajnesh Dagar

Abhineet Mittra

Vishnu Sarkar

Reviews and ratings
for third-party car insurance