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TPsugam
Bus Third Party Insurance Online
Third party cover for passenger buses.
For employee, school and other eligible buses.
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100% digital journey
Direct payment to insurer
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Get your Bus TP quote
Select your vehicle type and enter registration number
Quick answer
Bus third party insurance is the mandatory liability cover for every passenger bus in India. The premium is fixed by IRDAI on seating capacity and permit class, so it is the same at every insurer. Select Bus on TP-Sugam, enter your registration number and complete the purchase online.
IRDAI third-party rates have been revised. Motor third-party premiums were last revised on 1 June 2022. Revised rates take effect from 1 September 2026. Check the current slab for your vehicle →
What does Bus Third Party Insurance cover?
Third party bodily injury
Legal liability for injury caused to a third party.
Third party death liability
Legal liability for death of a third party.
Third party property damage
Legal liability for damage to third-party property.
Statutory liability
Coverage as per applicable law, vehicle class and policy terms.
Bus categories and usage
Passenger Transport Buses
Stage carriage and contract carriage buses.
Staff / Employee Buses
Buses used to ferry employees.
School / Educational Buses
School and college buses.
Other Eligible Buses
Other eligible passenger bus classes.
How TP-Sugam works
A simple 5-step journey
1
Enter vehicle number
Start with your registration number and provide required information.
2
Verify details
Confirm your vehicle details such as make, model and engine capacity.
3
Compare quotes
View available third party insurance quotes from multiple insurers.
4
Select insurer & pay
Choose your preferred option and pay directly to the insurer.
5
Get your policy
After successful payment, the policy is issued by the insurer.
Information you may need
Registration number
Your bus RC number.
Vehicle class & seating capacity
Seating capacity determines your premium.
Permit information
Route or contract carriage permit details.
Previous policy details
Required when renewing.
KYC information
Identity and address proof for the proposal.
Third Party vs Comprehensive (Bus)
| Coverage | Third Party | Comprehensive |
|---|---|---|
| Third-party bodily injury | ✓ | ✓ |
| Third-party death liability | ✓ | ✓ |
| Third-party property damage | ✓ | ✓ |
| Damage to your own vehicle | ✕ | ✓ |
| Theft of your vehicle | ✕ | ✓ |
| Fire damage | ✕ | ✓ |
| Natural calamities | ✕ | ✓ |
| Mandatory TP protection | ✓ | Included |
Worth protecting your own vehicle?
Third party insurance does not cover damage to your own vehicle. If your vehicle is new, financed or of high value, comprehensive cover protects both the third party and your own vehicle, and allows add-ons.
Other Asked Questions
Does Bus TP insurance cover damage to the bus?
No. Third party insurance for a bus does not cover accidental damage to the bus itself. For own-damage protection, a comprehensive commercial vehicle policy or a standalone own-damage policy is required.
Is insurance mandatory for buses?
Yes. Every bus plying on a public road must have at least a third party insurance policy under the Motor Vehicles Act, 1988. Operating without it can attract penalties and affect the permit.
Can school buses be insured through TP-Sugam?
Yes. Select Bus on TP-Sugam and choose the School / Educational Buses category. Buses carrying children attract additional liability, so the seating capacity declared must match the registration certificate.
What documents are required for a bus policy?
The registration certificate, the fitness certificate, the route or contract carriage permit, the commercial driving licence, the previous policy when renewing, and KYC documents.
Can staff buses be insured?
Yes. Employee and staff transport buses can be insured through TP-Sugam under the Staff / Employee Buses category.
Can I renew an expired bus insurance policy?
Yes, but renew promptly. An expired policy means the bus cannot legally operate, and the insurer may require an inspection before issuing the renewal.
Frequently Asked Questions
Does Bus TP insurance cover damage to the bus?
No. Third party insurance for a bus does not cover accidental damage to the bus itself. For own-damage protection, a comprehensive commercial vehicle policy or a standalone own-damage policy is required.
Is insurance mandatory for buses?
Yes. Every bus plying on a public road must have at least a third party insurance policy under the Motor Vehicles Act, 1988. Operating without it can attract penalties and affect the permit.
Can school buses be insured through TP-Sugam?
Yes. Select Bus on TP-Sugam and choose the School / Educational Buses category. Buses carrying children attract additional liability, so the seating capacity declared must match the registration certificate.
What documents are required for a bus policy?
The registration certificate, the fitness certificate, the route or contract carriage permit, the commercial driving licence, the previous policy when renewing, and KYC documents.
Can staff buses be insured?
Yes. Employee and staff transport buses can be insured through TP-Sugam under the Staff / Employee Buses category.
Can I renew an expired bus insurance policy?
Yes, but renew promptly. An expired policy means the bus cannot legally operate, and the insurer may require an inspection before issuing the renewal.
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