Buy/Renew Third Party Car Insurance
Third-Party Car Insurance
Third-party car insurance protects you against legal or financial liabilities if your car injures someone or damages their vehicle or property. It doesn’t cover damage to your own vehicle or injuries you may suffer.
For example, if your car hits another vehicle or a pedestrian, the insurance covers their medical or repair costs.
In India, third-party insurance is mandatory under the Motor Vehicles Act. All car owners must have at least this basic coverage to drive legally.
Purchasing third-party insurance with Tata AIG is quick and convenient. Get a quote in just 3 clicks and enjoy up to 85% off on new policies. Switching from another insurer? Get up to 75% off on rollover policies. Plus, with over 5,900 cashless garages nationwide, you’re covered wherever you go.
Key Features of TATA AIG Third-Party Car Insurance
If you're looking for a basic car insurance plan that keeps you legally covered, Tata AIG’s third-party car insurance is a solid choice. It takes care of your legal liabilities if your car causes damage to someone else's vehicle, property, or results in injury or death. Here are the key features you should know:
Feature | Details |
---|---|
Legal Liability Cover | Covers injury, disability, or death of a third party, as per court judgment |
Property Damage Cover | Covers third-party property damage up to ₹7.5 lakh (as per IRDAI) |
Affordable Premiums | Premiums are cost-effective and based on your vehicle’s engine capacity |
Legal Support | Covers legal defence expenses arising from third-party claims |
Policy Tenure | Valid for 1 year, with easy online renewals |
Quick Quote Access | Get a quote online in just 3 clicks |
Wide Garage Network | Access to over 5,900 cashless garages across India |
Discounts with TATA AIG | Up to 85% discount for new cars; 75% for rollover policies |
Benefits of Third-Party Car Insurance
Opting for Tata AIG’s Third-Party Car Insurance Online offers multiple advantages, ensuring convenience, legal compliance, and financial security. Here are the key benefits:
Ease of Purchase:
Buying third-party car insurance online is quick and hassle-free, eliminating the need for physical visits. The entire process can be completed from the comfort of your home within minutes.Instant Policy Issuance:
Receive the third-party motor insurance policy instantly via email upon successful payment. No waiting period ensures immediate legal compliance.Convenient Renewals:
Car insurance third-party renewals are seamless, with timely reminders for policy expiration. A few simple clicks allow policyholders to extend coverage without disruptions.Competitive Pricing & Cost-Effective Solution:
Third-party car insurance premiums are lower than comprehensive insurance, making it an affordable choice. Eliminates administrative costs associated with paperwork, making it more cost-efficient.Secure Payment Options:
The online platform provides safe and encrypted payment gateways, ensuring transaction security. Multiple payment options like UPI, net banking, and credit/debit cards are available.Comparative Analysis for Better Decisions
Customers can compare third-party motor insurance online with other policies before purchase. Helps in selecting the best plan with optimal premium costs and benefits.24/7 Accessible Customer Support
Dedicated support via chat, email, or phone to assist with policy queries or claims. Quick resolution of concerns ensures a seamless user experience.Instant Documentation & Digital Records
Policyholders receive all insurance-related documents digitally, accessible anytime. Reduces the risk of losing important papers, ensuring easy retrieval.Legal Compliance & Peace of Mind
Third-party vehicle insurance is mandatory under the Motor Vehicles Act, ensuring legal compliance. Protects policyholders from potential penalties or fines for non-compliance.Time & Effort Efficiency
The online third-party car insurance process is paperless, reducing manual effort. Saves time for both the insurer and the policyholder while ensuring quick issuance.
By choosing Tata AIG’s Third-Party Car Insurance Online, policyholders get a secure, efficient, and user-friendly experience while ensuring financial protection and legal compliance.
Third-Party Car Insurance Price Rates (2025)
The Insurance Regulatory and Development Authority of India (IRDAI) sets the premium rates for third-party car insurance, not individual insurers. These rates are based on the vehicle’s engine (for petrol/diesel cars) or battery capacity (for electric vehicles) and are revised periodically. The third-party car insurance price is standardised across the industry, ensuring uniformity for policyholders. All insurers are required to follow the same pricing for third-party liability policies, regardless of the insurer you choose.
Third-Party Car Insurance Premium Rates for Petrol/Diesel Cars (2024–25)
Engine Capacity | Annual Premium | TP Premium for New Vehicle(3 Years Policy) |
---|---|---|
Up to 1,000 cc | ₹2,120 | |
1,001 cc – 1,500 cc | ₹3,450 | |
Above 1,500 cc | ₹6,030 |
Third-Party Car Insurance Premium Rates for Electric Cars (2024–25)
Battery Capacity | Annual Premium | TP Premium for New Vehicle(3 Years Policy) |
---|---|---|
Up to 30 kW | ₹1,420 | |
30 kW – 65 kW | ₹2,650 | |
Above 65 kW | ₹4,860 |
Proposed Discounts on Third-Party Insurance Premiums
To encourage safety, sustainability, and heritage vehicle usage, the following discounts have been proposed under the third-party insurance premium structure:
Educational Institution Buses: A 15% discount on the third-party insurance premium is proposed for buses owned by recognised educational institutions.
Vintage Cars: Private vehicles officially registered as vintage cars may get a 50% discount on base premium rates.
Hybrid Electric Vehicles: A 7.5% discount is proposed for hybrid electric vehicles to promote environmentally friendly transport.
**These discounts and premium rates are governed by the Ministry of Road Transport and Highways (MoRTH) in consultation with IRDAI, ensuring uniform pricing across insurers.
For the most current and official information, visit the IRDAI website or reach out to authorised insurance providers.
For the most current and official information, visit the IRDAI website or reach out to authorised insurance providers.
Why is Third-Party Car Insurance Mandatory in India?
In India, third-party car insurance isn’t optional, it’s the law. As per the Motor Vehicles Act, every car owner must have at least this basic insurance to drive on public roads. Why? Because accidents can happen anytime, even if you're the most careful driver.
This type of insurance doesn’t cover your own car’s damage, but it does protect you from the cost of harming someone else’s vehicle, property, or even causing injury. Without it, you could end up paying a huge amount out of pocket.
But third-party motor insurance isn’t just about ticking a legal box. It’s about being a responsible driver. You’re not only protecting yourself but also others on the road. It helps make driving safer for everyone.
To make things better, there are even proposed discounts to support certain types of vehicles:
15% off for buses used by schools or colleges
50% off if your car is registered as a vintage vehicle
7.5% off if you own a hybrid electric car
These discounts are part of efforts by the Ministry of Road Transport and Highways (MoRTH) and IRDAI to encourage safer, greener, and more thoughtful driving under the third-party motor insurance framework.
Importance of Third-Party Car Insurance
Legal Requirement: In India, the Motor Vehicles Act of 1988 mandates that all vehicle owners have third-party insurance. Driving without it may require you to pay fines and penalties.
Coverage for Third-party Liabilities: This insurance covers liabilities arising from injuries, death, or property damage caused to a third party by your vehicle. It shields you from substantial out-of-pocket expenses.
Affordable Premiums: Opting for cheap third-party insurance ensures compliance with legal requirements without straining your budget. It is a cost-effective way to stay protected.
Peace of Mind: Insurance for car third-party liabilities allows you to drive confidently, as you are safeguarded against unforeseen incidents.
Covered vs. Not Covered: Tata AIG’s Third-Party Car Insurance
Things Covered | Things Not Covered |
---|---|
Third-Party Liability – Covers legal liabilities for bodily injury or death of a third party, including pedestrians and passengers. | Own Vehicle Damage – Damage to the insured car is not covered. |
Property Damage – Covers damage to third-party property like another vehicle, boundary wall, or structure. | Personal Injuries to Policyholder & Passengers – No medical expense coverage for the owner or passengers. |
Personal Accident Cover (Owner-Driver) – Compensation in case of permanent disability or death of the owner-driver. | Non-Accident-Related Damages – Theft, fire, natural calamities, riots, and vandalism are not covered. |
Driving Under the Influence – Claims may be recovered from the policyholder if found driving under the influence. |
How to Buy Third-Party Car Insurance Online?
- Step 1: Go to the TATA AIG website
Navigate to the TATA AIG official website, and click on 'Brand New Car – Get Quote'.
- Step 2: Vehicle Details
Fill in the vehicle’s make, model variant, fuel type, and location of registration. Since it is a new vehicle, a delivery date may also be required.
- Step 3: Contact & Location Information
Fill in your mobile number, RTO code, PIN code and delivery date to allow TATA AIG to create a quote according to your location.
- Step 4: Select Coverage Type
Select Third-Party Car Insurance, which means you would only need insurance for damage/injury you caused to someone else.
- Step 5: Personal and Vehicle Information
Fill in your name, date of birth, address, and email ID. Will be directed to complete CKYC. Will also need to complete your car's engine number, chassis number & nominee.
- Step 6: Payment
Pay the premium amount securely online using your favourite payment option.
- Step 7: Instant Policy
Once you have made the payment successfully, an email of the third-party car insurance policy will be sent to your registered email ID, and it will also be available to download immediately on the screen.
How to Renew Third-Party Car Insurance Online?
Have you let your policy renewal date fall by the wayside? Don't panic. TATA AIG gives you a chance to renew your third-party car insurance policy even after it has expired, as long as you are still within the window to do so. Follow the information below.
- Step 1: Go to TATA AIG's Website
Hit the 'Renew' option on the homepage.
- Step 2: Enter your own Car Registration Number
Enter your existing car registration number to pull up your policy details.
- Step 3: Other Insurer's policy – Hit 'Get Quote'
If your existing policy is with another insurer, hit 'Get Quote' and then enter the basic vehicle details as well as contact details.
- Step 4: Select Coverage Option - Choose Third-Party
Select Third-Party Car insurance as the coverage option. This insurance option satisfies the legal requirement and offers third-party coverage.
- Step 5: Confirm All Details
Confirm the policy details. Since we are dealing with a third-party plan, there are no add-ons to select from, so this should be relatively quick.
- Step 6: Make Payment
Pay the premium securely via one of the online options.
- Step 7: Get Your New Policy
Your new third-party policy will be issued immediately and sent to your registered email address.
Comprehensive Vs Third-Party Car Insurance - The Key Differences
Comprehensive and Third Party Car Insurance are two distinct types of auto insurance policies offering different coverage levels. Understanding the key differences between the two is essential for car owners to make an informed decision based on their specific needs.
Parameters | Third-Party Car Insurance Plan | Comprehensive Car Insurance Plan |
---|---|---|
Coverage | Covers only injuries or damages caused to others in accidents where you’re at fault. It does not cover your own vehicle or injuries. | Covers third-party liabilities and damages to your own vehicle. Also includes protection against theft, fire, accidents, and natural disasters. |
Legal Requirement | Mandatory | Optional |
Cost | Affordable | Higher due to broader coverage |
Own Vehicle Damages | Not Covered | Covered |
Add-On Benefits | Not Available | Available |
How Does a 3rd Party Car Insurance Policy Work?
Not sure what happens when you have third-party car insurance and meet with an accident? Here’s a quick look at how it actually works:
If you cause an accident, this policy covers the damage to the other person’s vehicle or property.
It also takes care of medical expenses if someone is injured due to your car.
You’ll need to file a claim with Tata AIG, and we’ll assess the damage and associated costs.
If the claim is approved, we’ll pay the amount up to the policy’s coverage limit.
If the cost exceeds that limit, you’ll need to cover the rest yourself.
This policy helps you stay legally compliant under Indian law.
While third-party insurance keeps you covered on paper, it won’t protect your own car. For more complete protection, consider switching to a comprehensive plan.
How to get the Best Third-Party Car Insurance?
In fact, if you follow a few simple steps, you can easily get the right cover without spending more than you need to.
- Compare Before You Buy
Don't accept the first quote you happen to stumble upon. Compare prices on various websites or comparison platforms. Although third-party cover is mandatory, premiums between insurers may differ.
- Buy Online, Save More with Tata AIG
When you purchase directly from Tata AIG's website, you save on agent commissions and additional charges. Additionally, you can avail of up to 85% off on new car insurance and up to 75% off on rollover policies for older vehicles. It's quick, paperless, and your policy arrives instantly.
- Stay With Just What You Need
Third-party insurance pays for damage to other people's cars, not your vehicle. Don't opt for unnecessary features if you want the premium to remain low.
- Go With a Reliable Name
Choosing a company such as Tata AIG ensures smooth quotes, good service, and peace of mind. You know you're safe.
- Renew On Time
Don't leave it to the last minute. Renew early to avoid inspections or paying more.
- Think of a Long-Term Plan
For brand-new cars, consider long-term third-party policies; they usually cost less in the long run. A couple of clever decisions, and you're ready to drive a safe, legal, and inexpensive car.
How to File a Car Insurance Claim with Tata AIG?
Filing a third-party claim with TATA AIG is a quick and easy process. Follow these simple steps to get the support you need.
Filing a Claim as a Policyholder (Own Damage Claim)
If your car is damaged due to an accident, you can raise your damage claim under your Tata AIG policy. Follow the steps below to complete the process:
- Step 1: Ensure Safety and Secure the Scene
After the accident, ensure everyone is safe. Move your vehicle to a safe spot if possible, turn on the hazard lights, and help any injured individuals. Call the police or medical help if needed.
- Step 2: Inform Tata AIG
Contact Tata AIG immediately to report the accident. You can do this through the website, mobile app, or customer helpline. Timely reporting is essential for smooth claim processing.
- Step 3: File a Police Report (If Required)
For major accidents or legal disputes, file an FIR at the nearest police station. This is usually required in cases involving bodily injury, significant property damage, theft, or third-party involvement.
- Step 4: Claim Survey and Inspection
Tata AIG will assign a surveyor to assess the damage to your vehicle. The surveyor will inspect the car and prepare a report to support the claim.
- Step 5: Submit Required Documents
Submit the completed claim form, a copy of the FIR (if applicable), your insurance policy, vehicle registration certificate (RC), and your driving license.
- Step 6: Claim Settlement
Once the documents are verified and the survey is complete, Tata AIG will approve and process your claim. The approved amount will be paid to you based on the policy terms, after applicable depreciation or deductible amounts are adjusted.
Filing a Claim as a Victim (Third-Party Liability Claim)
If you are a victim of an accident and the other vehicle is insured with Tata AIG, you can file a third-party liability claim. Follow these steps:
- Step 1: Gather Information
Collect all important details about the accident. Note the date, time, and location, and gather the contact details of the driver, witnesses, and vehicle owner. Take photos of the accident scene, vehicle damage, and any visible injuries.
- Step 2: Report the Accident
File a police complaint and obtain an FIR from the nearest police station. An FIR is required to initiate a third-party insurance claim.
- Step 3: Identify the Insurer
Get the insurance policy details or registration number of the at-fault vehicle. Contact Tata AIG or visit the official website to confirm the insurer and policyholder details. You can use the vehicle registration number to check the insurance details through the VAHAN portal or by contacting Tata AIG directly.
- Step 4: Inform Tata AIG
Notify Tata AIG and submit the accident details along with a copy of the FIR. The insurer will guide you on the claim procedure or may refer you to the Motor Accident Claims Tribunal (MACT), depending on the situation.
- Step 5: Claim Survey and Inspection
Depending on the case, Tata AIG may appoint a surveyor to assess the damage to your vehicle or property. Cooperate with the surveyor and provide any supporting documents or evidence.
- Step 6: Submit Required Documents
Provide all necessary documents, including the FIR, a copy of your vehicle's registration certificate (if applicable), driving licence, medical bills (in case of injury), and any additional documents requested by the insurer.
- Step 7: Claim Settlement
Compensation for injury or property damage is usually decided by the Motor Accident Claims Tribunal (MACT). Tata AIG, as the insurer of the at-fault vehicle, will pay the approved amount on behalf of its policyholder, in accordance with the law and policy terms.
Advantages and Disadvantages of Third-Party Car Insurance
Third-party car insurance is a legally required policy that provides financial protection against liabilities arising from damage or injury caused to a third party. While it offers important legal and financial coverage, it also comes with certain limitations. Below is a comparison of its key advantages and disadvantages:
Advantages | Disadvantages |
---|---|
Legal Compliance - Mandatory under the Motor Vehicles Act; ensures legal eligibility to drive. | No Own Damage Cover - This does not cover repair costs or damages to the policyholder’s own vehicle. |
Affordable Premiums– Premiums are lower compared to comprehensive car insurance policies. | Limited Coverage – Third-party insurance only covers injuries or property damage caused to others, |
Covers Third-Party Liabilities – Provides financial and legal coverage if your vehicle causes harm to another person or their property. | No Cover for Own Medical Expenses – Does not cover hospital or medical expenses for the policyholder. However, Personal Accident Cover for the owner-driver is included, offering fixed compensation for death or disability. |
Easy Purchase & Renewal - Can be easily bought or renewed online with minimal paperwork. | No Protection Against Theft or Natural Disasters – Losses from theft, fire, floods, or vandalism are not covered. |
Simplified Claim Process – Since it only covers third-party liabilities, the claim process is generally straightforward. | No Add-On Options – Does not offer extra coverage options like zero depreciation or engine protection. |
Factors to Consider Before You Buy Third-Party Car Insurance Online in India
Whether you are still thinking about purchasing a third-party car insurance or have already purchased it, here are some things to keep in mind:
- It Is Mandatory In India
According to the Motor Vehicles Act, it is a legal requirement to have third-party car insurance. It helps cover financial or legal liabilities if your car injures someone or damages their property. Without it, you can’t legally drive on public roads.
- What It Covers—and What It Doesn’t
This type of policy covers injury or death to another person and property damage up to ₹7.5 lakh. But it doesn’t cover damage to your car or medical expenses for your injuries.
- Personal Accident Cover Needs to Be Bought Separately
A Personal Accident (PA) cover for the owner-driver is required by law but is not included in a basic third-party plan. Most insurers, including Tata AIG, allow you to add this cover when purchasing your policy online.
- Rates Are the Same Everywhere—Choose Based on Service
Since third-party insurance rates are fixed by the IRDAI, coverage and pricing stay the same across all companies. That is why it is wise to choose a trusted name like Tata AIG. You will get an easy 3-click quote process, a quick paperless purchase, and an instant policy, saving you time without sacrificing reliability.
- Add-Ons Are Not Part of Third-Party Plans
Add-ons like Zero Depreciation or Engine Protection aren’t available with third-party-only plans. If you want broader coverage, you might consider a comprehensive policy where such customisations are offered.
Testimonial
Rajesh Kumar, Delhi.
I've been using TATA AIG's third-party car insurance for the past two years, and I must say, it has been a hassle-free experience. Recently, I had an unfortunate accident where my car collided with another vehicle. Thanks to TATA AIG, the claim process was smooth and efficient. They handled everything promptly, from filing the claim to settling it without hassle. I highly recommend TATA AIG for their excellent customer service and reliable third-party car insurance coverage.
Sneha Patel, Mumbai.
I was sceptical about buying third-party car insurance initially, but after researching various insurers, I chose TATA AIG, which was the right decision. Last month, my car accidentally damaged someone's property, and I was worried about the costs involved. TATA AIG came to the rescue! Their team guided me through the claim process and ensured a quick settlement. I appreciate their professionalism and commitment to customer satisfaction. I feel more secure on the road knowing I have TATA AIG's third-party car insurance.
Ravi Verma, Bangalore.
TATA AIG's third-party car insurance has been a reliable and cost-effective choice for me. I recently had a minor accident where I damaged another car's bumper. Despite being a small claim, TATA AIG treated it with utmost importance and settled it efficiently. Their online platform made the claim process incredibly convenient, and I received the settlement amount within days. TATA AIG's third-party car insurance is the best value for money, and I will definitely continue using their services.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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