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TPsugam
GCV Third Party Insurance Online
Third party cover for goods carrying vehicles.
Check available options for trucks, pickups and other goods vehicles.
Multi-insurer options
100% digital journey
Direct payment to insurer
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Get your GCV TP quote
Select your vehicle type and enter registration number
Quick answer
GCV third party insurance is the mandatory liability cover for every goods carrying vehicle in India. The premium is fixed by IRDAI on gross vehicle weight, so it is the same across insurers. Select GCV on TP-Sugam, enter your vehicle number, compare available quotes and pay the insurer directly.
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 GCV 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.
Which goods vehicles can use TP-Sugam?
Pickups
Small pickups and utility goods vehicles.
Light Commercial Vehicles
LCVs used for local distribution.
Trucks
Medium and heavy goods carriers.
Other Goods Vehicles
Other eligible goods carrying 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 goods vehicle RC number.
Vehicle class & GVW details
Gross vehicle weight determines your premium.
Permit information
Route or national permit details.
Previous policy details
Required when renewing.
KYC information
Identity and address proof for the proposal.
Third Party vs Comprehensive (GCV)
| 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
Is third party insurance mandatory for goods vehicles?
Yes. Every goods carrying vehicle plying on a public road must have at least a third party insurance policy under the Motor Vehicles Act, 1988.
How is GCV third party premium calculated?
Commercial vehicle third party premium is fixed by IRDAI on gross vehicle weight (GVW) for goods carrying vehicles, and on seating capacity for passenger carrying vehicles. The rate is the same at every insurer.
Does GCV third party insurance cover damage to my truck?
No. It covers injury, death and property damage caused to a third party. Damage to your own goods vehicle, its theft, or loss in a fire or natural calamity requires a comprehensive commercial vehicle policy.
Can I buy third party insurance for a truck online?
Yes. Select GCV on TP-Sugam, enter your registration number, compare the available quotes and pay the insurer directly. The policy is issued by the insurer and emailed to you.
What documents are needed for a commercial vehicle policy?
Your registration certificate, the fitness certificate, the route or national permit, the previous policy when renewing, and KYC documents for the proposal.
Can I renew an expired GCV policy?
Yes, but renew promptly. A lapsed commercial vehicle policy leaves the vehicle legally uninsured and exposed to penalties, and the insurer may require an inspection before issuing the renewal.
Frequently Asked Questions
Is third party insurance mandatory for goods vehicles?
Yes. Every goods carrying vehicle plying on a public road must have at least a third party insurance policy under the Motor Vehicles Act, 1988.
How is GCV third party premium calculated?
Commercial vehicle third party premium is fixed by IRDAI on gross vehicle weight (GVW) for goods carrying vehicles, and on seating capacity for passenger carrying vehicles. The rate is the same at every insurer.
Does GCV third party insurance cover damage to my truck?
No. It covers injury, death and property damage caused to a third party. Damage to your own goods vehicle, its theft, or loss in a fire or natural calamity requires a comprehensive commercial vehicle policy.
Can I buy third party insurance for a truck online?
Yes. Select GCV on TP-Sugam, enter your registration number, compare the available quotes and pay the insurer directly. The policy is issued by the insurer and emailed to you.
What documents are needed for a commercial vehicle policy?
Your registration certificate, the fitness certificate, the route or national permit, the previous policy when renewing, and KYC documents for the proposal.
Can I renew an expired GCV policy?
Yes, but renew promptly. A lapsed commercial vehicle policy leaves the vehicle legally uninsured and exposed to penalties, and the insurer may require an inspection before issuing the renewal.
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