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TPsugam
Misc-D Third Party Insurance Online
Special vehicle? TP-Sugam has a dedicated journey for miscellaneous and special motor vehicles.
Compare available options and complete the journey online.
Multi-insurer options
100% digital journey
Direct payment to insurer
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Get your Misc-D TP quote
Select your vehicle type and enter registration number
Quick answer
Misc-D third party insurance covers miscellaneous and special motor vehicles that do not fall under the standard goods or passenger carrying classes, such as construction equipment and special purpose vehicles. The premium is fixed by IRDAI by vehicle class, so it is the same at every insurer.
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 Misc-D 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.
Who should use the Misc-D journey?
Special Purpose Vehicles
Vehicles built or adapted for a specific function.
Construction & Allied
Construction and allied equipment.
Special Commercial Vehicles
Special commercial vehicle classes.
Other Eligible Vehicles
Other miscellaneous vehicle categories.
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 vehicle RC number.
Vehicle class
The registered miscellaneous class.
Make & model
Manufacturer, model and any attachment.
Usage details
How and where the vehicle is used.
Previous policy & KYC
Required for renewal and the proposal.
Third Party vs Comprehensive (Misc-D)
| 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
What is Misc-D insurance?
Misc-D is the miscellaneous and special motor vehicle class. It covers vehicles that do not fall under the standard goods carrying or passenger carrying categories, such as special purpose and construction vehicles.
Which vehicles fall under Misc-D?
Special purpose vehicles, construction and allied equipment, special commercial vehicle classes and other miscellaneous registered vehicle types that are not rated as GCV or PCV.
Does TP cover apply to Misc-D vehicles?
Yes. Any motor vehicle used on a public road must carry at least a third party policy. The applicable statutory liability cover depends on the vehicle class and the policy terms.
Can construction vehicles get third party insurance?
Yes. Construction and allied vehicles are insured under the Misc-D journey. Select Misc-D on TP-Sugam, enter your registration number and complete the purchase online.
Does Misc-D third party insurance cover the vehicle itself?
No. Third party insurance covers liability towards others. Damage to your own special vehicle requires a comprehensive policy or a standalone own-damage cover.
How is the Misc-D premium calculated?
The premium is fixed by IRDAI according to the registered vehicle class and its usage. The exact amount is shown when you enter your vehicle details.
Frequently Asked Questions
What is Misc-D insurance?
Misc-D is the miscellaneous and special motor vehicle class. It covers vehicles that do not fall under the standard goods carrying or passenger carrying categories, such as special purpose and construction vehicles.
Which vehicles fall under Misc-D?
Special purpose vehicles, construction and allied equipment, special commercial vehicle classes and other miscellaneous registered vehicle types that are not rated as GCV or PCV.
Does TP cover apply to Misc-D vehicles?
Yes. Any motor vehicle used on a public road must carry at least a third party policy. The applicable statutory liability cover depends on the vehicle class and the policy terms.
Can construction vehicles get third party insurance?
Yes. Construction and allied vehicles are insured under the Misc-D journey. Select Misc-D on TP-Sugam, enter your registration number and complete the purchase online.
Does Misc-D third party insurance cover the vehicle itself?
No. Third party insurance covers liability towards others. Damage to your own special vehicle requires a comprehensive policy or a standalone own-damage cover.
How is the Misc-D premium calculated?
The premium is fixed by IRDAI according to the registered vehicle class and its usage. The exact amount is shown when you enter your vehicle details.
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