Third-party Car Insurance

Driving your car without a third-party car or 4-wheeler insurance policy is a punishable offence in India.

• For the first offence, the penalty includes a fine of up to ₹2,000 and/or imprisonment for up to 3 months.
• For the second offence, the penalty includes a fine of up to ₹4,000 and/or imprisonment for up to 3 months.

Inclusions

• Third-party Bodily Injury or Death - Covers the legal compensation for third-party bodily injury or death caused by your car.
• Third-party Property Damage - Covers the legal liability for damage caused to a third-party property, such as their vehicle, boundary wall, or other structures.
• Legal Expenses- Covers lawyer fees and court expenses.
• Coverage for Permitted Drivers - Extends legal liability protection when your car is driven by any driver on your order or with your permission.
• Coverage for Personal Representatives - Extends protection to the insured person’s personal representative, such as a family member, if the insured passes away.
• Personal Accident Cover (Owner-Driver) - Offers compensation for death or disabilities of the owner-driver due to an accident.

Exclusions

• Own Vehicle Damage - Loss or damage caused to your insured car due to accident, theft, natural calamities, or man-made risks.
• Unauthorised Usage or Driver - A person without a valid licence or not authorised as per the policy conditions driving the car or using the car for non-permitted reasons.
• Invalid Owner-driver - The owner-driver is not the registered owner-driver, named insured, or does not have a valid driving licence.
• Employee or Passenger Injury - Injury or death of an employee or passenger, unless it is covered under the policy.
• Self-inflicted Injury and Intoxication - Injury, death, or accidents caused by self-harm, attempted suicide, or consumption of alcohol or drugs.
• War and Nuclear Risks - Liabilities arising due to war, civil war, nuclear weapons materials or related events.

Please note: The inclusions are subject to certain conditions, and the exclusions listed above are some of the common exclusions. Kindly refer to your policy document for complete details.

By paying an additional premium, you can enhance your policy coverage with the following optional covers for broader protection:

• Personal accident cover for the insured person or any named individual other than the paid driver or cleaner.
• Personal accident cover for unnamed passengers travelling in the car other than the insured, the paid driver, and the cleaner.
• Personal accident cover for paid drivers, cleaners, and conductors.
• Legal liability cover for injury or death of paid drivers, conductors, or cleaners.
• Legal liability cover for employees other than the paid driver, conductor, or cleaner travelling in the insured car.

Follow these simple steps to buy TATA AIG Third-party insurance: 1. Scroll to the top of this page, provide your car’s registration number, and click on “Get Price”. Click on “Insure your Brand New Car” for a new car. 2. Provide the required details, such as your car’s make, model variant, fuel type, and location of registration, to proceed. 3. Select Third-party Car Insurance. 4. View your premium quote and make an online payment. 5. Receive your policy instantly at your registered email.

You can follow these simple steps to renew your car third-party insurance with TATA AIG: 1. Scroll to the top of this page and click on the “Renew your existing TATA AIG car policy” option. 2. Enter your car’s registration number or policy number to proceed. 3. Review your policy details and make changes if necessary. 4. Pay the renewal premium online. 5. Get your renewed policy instantly at your registered email.

Third-party insurance claims are generally settled through a legal court process. If court proceedings are not required, follow the first three steps, and we will take it from there. 1. Notify TATAAIG immediately via customer support (022-6489-8282), email (general.claims@tataaig.com), or the claim page on the website. 2. Provide your policy information and details of the incident, such as location and nature of loss. 3. File an FIR (First Information Report) at the nearest police station. 4. The case will be registered in court, and the final settlement will be decided after court proceedings. 5. TATA AIG will settle the applicable claim amount as per the court decision.

• Policy number
• Registration Certificate
• Driving Licence
• Your contact details
• Name of insured
• Date and time of loss
• Location of loss
• Nature of loss
• Address and contact details of the third-party

Please note: Additional information or documents may be required based on the individual circumstances.

No, a third-party car insurance is the most affordable type of motor insurance in India. It is the basic policy with standard coverage for third-party liabilities.

The premium is fixed by the Insurance Regulatory and Development Authority of India (IRDAI). It is based on vehicle type and engine capacity and is standardised across insurance providers.

The IRDAI fixes the premium rates for third-party car insurance in India, including those applicable to electric car insurance plans. These rates are revised periodically as per regulatory guidelines.

Below are the applicable IRDAI third-party car insurance premium rates:

For Petrol/Diesel Cars (2026-27)

For Electric Cars (2026-27)

You can use our TATA AIG car insurance premium calculator to calculate your premium based on the coverage features you choose.

Check your Policy Document

• You can check your policy document in your email to confirm whether it includes third-party car insurance.
• You can also check the policy expiry date.

Visit Online Portal or App

• Login to your TATA AIG Account or TATA AIG app to check your insurance details.

Check Vehicle Details on Parivahan Website

• Visit the Parivahan Sewa website.
• Under the “Informational Services” tab, click on “Know your Vehicle Details”.
• Enter the required details and proceed to view your insurance details.

No Own Damage Cover

It covers only third-party liabilities and does not cover the repair or replacement costs for accidental damage incurred to your car.

• No Coverage for Theft, Natural Calamities, and Man-made Risks

It does not provide financial protection against risks like theft, flood, storms, or riots for your car.

• Limited Optional Add-ons

It does not have the option to include add-ons to enhance coverage or customise protection based on your driving needs or usage.

To include financial protection for your car, you can opt for an own damage cover or a comprehensive car insurance policy.

Explore TATA AIG Car Insurance online for the different plan options.

Disclaimer - The information provided above is subject to change. Policy coverage and claim eligibility are subject to the terms and conditions of the policy.

Please refer to your policy document for complete details. For further clarification regarding your exact coverage, claim and policy inclusions and exclusions, kindly refer to your policy document and contact our claim representative.