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PCV Third Party Insurance Online
Third party cover for passenger carrying vehicles.
For taxis, cabs, autos, vans and other passenger vehicles.
Multi-insurer options
100% digital journey
Direct payment to insurer
Quickinsure support
Get your PCV TP quote
Select your vehicle type and enter registration number
Quick answer
PCV third party insurance is the mandatory liability cover for vehicles that carry passengers for hire or reward. The premium is fixed by IRDAI on seating capacity and vehicle class, so it is identical across insurers. Select PCV on TP-Sugam, enter your vehicle number and complete the journey 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 PCV 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.
Passenger vehicle categories
Taxi / Cab
Metered taxis, app cabs and private hire vehicles.
Auto (Three Wheeler)
Passenger auto-rickshaws and e-rickshaws.
Passenger Van
Vans and minibuses carrying passengers.
Other Eligible PCV
Other eligible passenger 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 vehicle RC number.
Vehicle class & seating capacity
Seating capacity determines your premium.
Permit information
Route permit or contract carriage details.
Previous policy details
Required when renewing.
KYC information
Identity and address proof for the proposal.
Third Party vs Comprehensive (PCV)
| 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
Why is third party insurance important for passenger carrying vehicles?
Because every passenger on board is a potential third party claimant. A single accident can involve multiple injury claims, and third party cover protects the operator from that financial liability while meeting the legal requirement.
What is the penalty for not insuring a PCV?
Operating an uninsured passenger vehicle can attract a fine of ₹2,000 to ₹4,000 and imprisonment of up to three months, along with the risk of the permit being affected.
Can I insure a taxi or cab through TP-Sugam?
Yes. Select PCV on TP-Sugam, choose the applicable category such as Taxi/Cab or Auto, enter your registration number and complete the purchase online.
What documents are required for a PCV policy?
The registration certificate, the fitness certificate, the route or contract carriage permit, the driving licence with the commercial endorsement, the previous policy when renewing, and KYC documents.
Does PCV third party insurance cover damage to my own vehicle?
No. It covers liability towards third parties. Damage to your own vehicle requires a comprehensive commercial vehicle policy or a standalone own-damage cover.
Can I renew an expired PCV policy?
Yes, and it should be renewed promptly. An expired policy means the vehicle cannot legally operate, and the insurer may require an inspection before renewal.
Frequently Asked Questions
Why is third party insurance important for passenger carrying vehicles?
Because every passenger on board is a potential third party claimant. A single accident can involve multiple injury claims, and third party cover protects the operator from that financial liability while meeting the legal requirement.
What is the penalty for not insuring a PCV?
Operating an uninsured passenger vehicle can attract a fine of ₹2,000 to ₹4,000 and imprisonment of up to three months, along with the risk of the permit being affected.
Can I insure a taxi or cab through TP-Sugam?
Yes. Select PCV on TP-Sugam, choose the applicable category such as Taxi/Cab or Auto, enter your registration number and complete the purchase online.
What documents are required for a PCV policy?
The registration certificate, the fitness certificate, the route or contract carriage permit, the driving licence with the commercial endorsement, the previous policy when renewing, and KYC documents.
Does PCV third party insurance cover damage to my own vehicle?
No. It covers liability towards third parties. Damage to your own vehicle requires a comprehensive commercial vehicle policy or a standalone own-damage cover.
Can I renew an expired PCV policy?
Yes, and it should be renewed promptly. An expired policy means the vehicle cannot legally operate, and the insurer may require an inspection before renewal.
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